| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $53K | $810 | $54K | 3.97% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 16.29% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.87% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.94% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | VISION SERVICE PLAN | $1K | — | $1K | 9.98% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $502 | — | $502 | 10.00% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $748 | — | $748 | 16.22% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 220 | $1.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $96K |
| Vision | VISION SERVICE PLAN | 102 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $119K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $110K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $105K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.