| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 438 N HOUGH ST BARRINGTON, IL 60010 | HUMANA INSURANCE COMPANY | $68K | $1K | $69K | 4.07% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 438 N HOUGH ST BARRINGTON, IL 60010 | HUMANA HEALTH PLAN | $21K | $809 | $22K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $814 | $21K | 12.31% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 4 WESTBROOK CORPORATE CTR STE 500 WESTCHESTER, IL 60154 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 6.06% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 4 WESTBROOK INSURANCE SERVICES LLC WESTCHESTER, IL 60154 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JULIE MULVEY EIN 36-4143124 EMPLOYEE | Employee (plan); Trustee (individual) Service code 20 | — | $33K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| THOMAS PARAVOLA EIN 36-2909242 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $6K |
| FRANK SMALARZ EIN 36-4143124 EMPLOYEE | Employee (plan); Trustee (individual) Service code 20 | — | $5K |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 69 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $170K |
| Vision | VISION SERVICE PLAN | 118 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $170K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.