| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS4 Filed as: ASSURED PARTNERS OF IL | 25 NORTHWEST POINT BLVD, STE 625 ELK GROVE VILLAGE, IL 60007 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | — | $84K | 5.46% |
| 360 BENEFITS LLC4 | 20 N CLARK ST, STE 2825 CHICAGO, IL 60602 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 1.51% |
| ASSUREDPARTNERS4 Filed as: ASSURED PARTNERS OF IL | 25 NORTHWEST POINT BLVD, STE 625 ELK GROVE VILLAGE, IL 60007 | GUARDIAN | $6K | — | $6K | 3.95% |
| 360 BENEFITS LLC4 | 20 N CLARK ST, STE 2825 CHICAGO, IL 60602 | GUARDIAN | $2K | — | $2K | 1.27% |
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 | 460 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.5M |
| Dental | GUARDIAN | 460 | $163K |
| Vision | GUARDIAN | 460 | $163K |
| Life insurance | GUARDIAN | 460 | $163K |
| Long-term disability | GUARDIAN | 460 | $163K |
| Other | GUARDIAN | 460 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.