| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA HEALTH PLAN | $39K | — | $39K | 4.00% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 3.83% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 CLAYTON, MO 631053700 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORAT | $57 | — | $57 | 0.03% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORAT | $30 | — | $30 | 0.02% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA DENTAL INSURANCE COMPANY | $3K | — | $3K | 3.95% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 CLAYTON, MO 631053700 | HUMANA DENTAL INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP | 325 N KIRKWOOD STE 300 KIRKWOOD, IL 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.45% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.64% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA HEALTH PLAN | 86 | $1.4M |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 146 | $82K |
| Vision | HUMANA INSURANCE COMPANY | 106 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $104K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.