| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | HUMANA INSURANCE COMPANY | $141K | — | $141K | 6.95% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | HUMANA HEALTH PLAN, INC. | $83K | — | $83K | 6.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $19K | — | $19K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $8K | — | $8K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $5K | — | $5K | 20.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | VISION SERVICE PLAN | $1K | — | $1K | 10.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON UNIT LL2 CHICAGO, IL 60661 | VISION SERVICE PLAN | $1K | — | $1K | 10.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN DATA CENTRE EIN 36-6095542 NONE | Contract Administrator; Direct payment from the plan; Other services Service code 13 | — | $37K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Custodial (securities); Investment management; Investment management fees paid directly by plan Service code 19 | — | $24K |
| FRANK SMALARZ EIN 36-4143124 TRUSTEE | Trustee (individual) Service code 20 | — | $20K |
| THOMAS PARAVOLA NONE | Legal; Direct payment from the plan Service code 29 | PO BOX 66 ELMHURST, IL 60126 | $17K |
| JOE DICARO EIN 36-4143124 TRUSTEE | Trustee (individual) Service code 20 | — | $15K |
| ANTHONY DEGRADO IV EIN 36-4143124 TRUSTEE | Trustee (individual) Service code 20 | — | $9K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $8K |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 70 | $3.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE CO | 131 | $128K |
| Vision | VISION SERVICE PLAN | 127 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 154 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 118 | $39K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE CO | 154 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
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.