| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A.M. INSURANCE GROUP, INC.3 Filed as: AM INSURANCE GROUP INC | 4N701 SCHOOL ROAD SAINT CHARLES, IL 60175 | HEALTH CARE SERVICE CORPORATION | $44K | $698 | $45K | 4.04% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: EMPLOYEE BENEFIT RISK MGMT INC | 823 COMMERCE DR #350 OAK BROOK, IL 60523 | HEALTH CARE SERVICE CORPORATION | — | $10K | $10K | 0.88% |
| POWER THREE INSURANCE GROUP, INC.3 | 711 S L ROUTE 83 ELMHURST, IL 60126 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $30K | $40K | 4.49% |
| A.M. INSURANCE GROUP, INC.3 Filed as: AM INSURANCE GROUP INC | 4N701 SCHOOL ROAD SAINT CHARLES, IL 60175 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 18.68% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BYRN MAWR AVE STE 1000S CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $173 | — | $173 | 0.40% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 342 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $932K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $932K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $932K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $932K |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $932K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 342 | $2.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $932K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.