| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S J BENEFITS GROUP INC3 Filed as: SJ BENEFITS GROUP | 2200 SOUTH MAIN STREET, SUITE 100 LOMBARD, IL 60148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 10.53% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 3.55% |
| WILLIAM STORIE3 | 2200 SOUTH MAIN STREET, SUITE 100 LOMBARD, IL 60148 | VISION SERVICE PLAN | $4K | $0 | $4K | 5.94% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.10% |
| S J BENEFITS GROUP INC3 Filed as: SJ BENEFITS GROUP | 2200 SOUTH MAIN STREET, SUITE 100 LOMBARD, IL 60148 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.60% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.40% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $80 | $80 | 0.17% |
| S J BENEFITS GROUP INC3 Filed as: SJ BENEFITS GROUP | 2200 SOUTH MAIN STREET, SUITE 100 LOMBARD, IL 60148 | FOUR EVER LIFE INSURANCE COMPANY | $434 | $0 | $434 | 14.99% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 238 | $59K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $278K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $232K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $232K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.