| 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 | $58K | $1K | $59K | 3.99% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 15.00% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 9.87% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 600675091 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $553 | — | $553 | 15.01% |
| CFM INSURANCE AGENCY3 | 50 N BROCKWAY STE 5-2 PALATINE, IL 60067 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $197 | — | $197 | 10.01% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 238 | $1.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $100K |
| Vision | VISION SERVICE PLAN | 113 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $155K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $133K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.