| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA HEALTH PLAN, INC | $37K | — | $37K | 3.99% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA INSURANCE COMPANY | $12K | — | $12K | 3.91% |
| MANGAN, GEORGE L3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORAT | $8K | — | $8K | 4.61% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 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 | 4.39% |
| 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 RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.89% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC | 70 | $1.4M |
| Dental | HUMANA DENTAL INSURANCE COMPANY | 125 | $69K |
| Vision | HUMANA INSURANCE COMPANY | 95 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $61K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.