| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | 451 DUNHAM RD STE 600 ST CHARLES, IL 601741456 | UNDERWRITING MANAGEMENT EXPERTS, LLC | — | $47K | $47K | 13.12% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.78% |
| CLEAR INSIGHT BENEFITS CONSULTING3 | 451 DUNHAM ROAD, STE 600 SAINT CHARLES, IL 601741456 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 7.42% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY INC | 234 SPRING LAKE DR ITASCA, IL 601433202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 6.21% |
| CLEAR INSIGHT BENEFIT3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING I | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.13% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.38% |
| CLEAR INSIGHT BENEFIT3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING I | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CLEAR INSIGHT BENEFITS CONSULTING3 | 451 DUNHAM ROAD 600 ST. CHARLES, IL 60174 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $508 | — | $508 | 4.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SISCO EIN 42-1144827 THIRD PARTY ADMINISTRATI | Contract Administrator Service code 13 | — | $33K |
| CIGNA EIN 84-0467907 PREFERRED PROVIDER NETW | Contract Administrator Service code 13 | PO BOX 97 WAYNE, IL 60184 | $13K |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 162 | $36K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 150 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $22K |
| Stop-loss / reinsurancereinsurance | UNDERWRITING MANAGEMENT EXPERTS, LLC | 71 | $358K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.