| 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 | $98K | — | $98K | 16.89% |
| PEOPLE ETC LLC3 | 275 E COURT ST SUITE 201 KANKAKEE, IL 60901 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95K | — | $95K | 16.30% |
| ERIKA M TORRES | 10805 LACROSSE AVE OAK LAWK, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 0.69% |
| JOHN A FRIAS3 | 1913 N WASHINGTON ST WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | — | $253 | 0.04% |
| CIBC OF ILLINOIS INC3 | 187 S SCHUYLER AVE STE 500 KANKAKEE, IL 60901 | HUMANA | $9K | — | $9K | 3.03% |
| ESSER HAYES INSURANCE GROUP3 | 1811 HIGH GROVE LANE NAPERVILLE, IL 60540 | HUMANA | $284 | — | $284 | 0.10% |
| CIBC OF ILLINOIS INC | PO BOX 71 KANKAKEE, IL 60901 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.20% |
| CIBC OF ILLINOIS INC3 | PO BOX 71 KANKAKEE, IL 60901 | VISION SERVICE PLAN | $706 | — | $706 | 6.00% |
| ESSER HAYES INSURANCE GROUP3 | 1811 HIGH GROVE LANE NAPERVILLE, IL 60540 | VISION SERVICE PLAN | $149 | — | $149 | 1.27% |
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 | 782 | 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) | 782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,050 | $580K |
| Dental | HUMANA | 764 | $297K |
| Vision(2 contracts, 2 carriers) | HUMANA | 764 | $309K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,823 | $666K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,050 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,823 | — |
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.