| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N MARTINGALE RD. SCHAUMBURG, IL 60173 | HEALTH CARE SERVICE CORPORATION | $95K | $12K | $106K | 14.77% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N MARTINGALE RD. SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $20K | $0 | $20K | 5.98% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N MARTINGALE RD. SCHAUMBURG, IL 60173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | $0 | $49K | 14.99% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N MARTINGALE RD. SCHAUMBURG, IL 60173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | $0 | $49K | 14.99% |
| EOI SERVICE COMPANY INC3 | 900 N FRANKLIN ST., STE. 600 CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46K | $0 | $46K | 37.69% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N MARTINGALE RD. SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 16.15% |
| EOI SERVICE COMPANY INC3 | 900 N FRANKLIN ST., STE. 600 CHICAGO, IL 60610 | COMBINED INSURANCE | $39K | $0 | $39K | 63.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD. SCHAUMBURG, IL 60173 | COMBINED INSURANCE | $17K | $0 | $17K | 27.00% |
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 | 892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | ALPHA DENTAL PROGRAMS, INC | 607 | $62K |
| Life insurance(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,082 | $1.0M |
| Short-term disability(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,082 | $979K |
| Long-term disability(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,082 | $979K |
| Other(5 contracts, 4 carriers) | HEALTH CARE SERVICE CORPORATION | 1,333 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,333 | — |
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."
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.