| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 1.45% |
| BENNIE INSURANCE, LLC3 | 101 GREENWICH STREET SUITE 902 NEW YORK, NY 10006 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 0.94% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.35% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.73% |
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD, SUITE 625 ELK GROVE VILLAGE, IL 60007 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.59% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.60% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40K | $0 | $40K | 19.35% |
| DAVID STREICH3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.91% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.65% |
| PEOPLE ETC LLC3 Filed as: PEOPLE ETC, LLC | 275 EAST COURT STREET, SUITE 201 KANKAKEE, IL 60901 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $739 | $0 | $739 | 0.36% |
| MAIA LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.01% |
| ERIKA M TORRES3 Filed as: ERIKA M. TORRES | 10805 LACROSSE AVENUE OAK LAWN, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.01% |
| JOHN A FRIAS3 Filed as: JOHN A. FRIAS | 1913 NORTH WASHINGTON STREEET WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.01% |
| BRENT SHUNK3 | 2921 GREENBRIAR DRIVE, SUITE A SPRINGFIELD, IL 62704 | NORTHWESTERN MUTUAL | $0 | $1K | $1K | 1.95% |
| DAVID PATRICK SCHEINA3 | 2921 GREENBRIAR DRIVE, SUITE A SPRINGFIELD, IL 62704 | NORTHWESTERN MUTUAL | $454 | $163 | $617 | 1.05% |
| MCCLURE FNCL GROUP INC3 Filed as: MCCLURE FINANCIAL GROUP, INC. | 301 NORTH NEIL STREET, SUITE 501 CHAMPAIGN, IL 61820 | NORTHWESTERN MUTUAL | $454 | $55 | $509 | 0.87% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | VISION SERVICE PLAN | $834 | $0 | $834 | 4.06% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | VISION SERVICE PLAN | $292 | $0 | $292 | 1.42% |
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 | 2,779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 2,779 | $738K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 1,187 | $519K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,779 | $446K |
| Long-term disability | NORTHWESTERN MUTUAL | 154 | $59K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,059 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,059 | — |
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.