| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 4 WESTBROOK CORPORATE CTR STE 500 WESTCHESTER, IL 60154 | HUMANA INSURANCE COMPANY | $72K | — | $72K | 5.00% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 4 WESTBROOK CORPORATE CTR STE 500 WESTCHESTER, IL 60154 | HUMANA HEALTH PLAN | $42K | — | $42K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $268 | $23K | 11.66% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 4 WESTBROOK CORPORATE CTR STE 500 WESTCHESTER, IL 60154 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 7.31% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 4 WESTBROOK CORPORATE CTR STE 500 WESTCHESTER, IL 60154 | VISION SERVICE PLAN | $1K | — | $1K | 7.64% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4 WESTBROOK CORPORATE CTR STE 500 WESTCHESTER, IL 60154 | VISION SERVICE PLAN | $356 | — | $356 | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUSAN FLAVIN EIN 35-0606108 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $28K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| THOMAS PARAVOLA EIN 36-2909242 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
| FRANK SMALARZ EIN 36-4143124 TRUSTEE | Trustee (individual) Service code 20 | — | $12K |
| TIMOTHY HARPER EIN 36-4143124 TRUSTEE | Trustee (individual) Service code 20 | — | $8K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $6K |
| JULIE MULVEY EIN 36-4143124 EMPLOYEE | Trustee (individual); Employee (plan) 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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 63 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $199K |
| Vision | VISION SERVICE PLAN | 119 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $199K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $199K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.