| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD B LABOW3 | 666 DUNDEE RD, STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88K | — | $88K | 17.97% |
| PEOPLE ETC LLC3 | 275 E COURT ST SUITE 201 KANKAKEE, IL 60901 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86K | — | $86K | 17.41% |
| ERIKA M TORRES | 10805 LACROSSE AVE OAK LAWK, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.56% |
| JOHN A FRIAS3 | 1913 N WASHINGTON ST WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $401 | — | $401 | 0.08% |
| CIBC OF ILLINOIS INC3 | 187 S SCHUYLER AVE STE 500 KANKAKEE, IL 60901 | HUMANA | $9K | — | $9K | 4.20% |
| CIBC OF ILLINOIS INC3 | PO BOX 71 KANKAKEE, IL 60901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| CIBC OF ILLINOIS INC3 | PO BOX 71 KANKAKEE, IL 60901 | VISION SERVICE PLAN | $754 | — | $754 | 8.35% |
| CIBC OF ILLINOIS INC | PO BOX 71 KANKAKEE, IL 60901 | KANSAS CITY LIFE INSURANCE COMPANY | $422 | — | $422 | 15.83% |
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 | 554 | 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) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 630 | $492K |
| Dental | HUMANA | 566 | $218K |
| Vision(2 contracts, 2 carriers) | HUMANA | 566 | $227K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,107 | $550K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,107 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,107 | — |
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.