| 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 | $43K | — | $43K | 13.45% |
| PEOPLE ETC LLC3 | 275 E COURT ST SUITE 201 KANKAKEE, IL 60901 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 3.65% |
| DAVID STREICH Filed as: DAVID STEICH | 1811 HIGH GROVE LN SUITE 139 NAPERVILLE, IL 60540 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.10% |
| ERIKA M TORRES | 10805 LACROSSE AVE OAK LAWK, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 0.03% |
| JOHN A FRIAS3 | 1913 N WASHINGTON ST WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.01% |
| ESSER HAYES INSURANCE GROUP3 | 1811 HIGH GROVE LANE NAPERVILLE, IL 60540 | HUMANA | $8K | — | $8K | 2.49% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINLOIS LLC | 4 WESBROOK CORPORATE STE 500 WESTCHESTER, IL 60154 | HUMANA | $888 | — | $888 | 0.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS LLC | 4 WESTBROOK CORPORATE CTR WESTCHESTER, IL 60154 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.13% |
| ESSER HAYES INSURANCE GROUP3 | 1811 HIGH GROVE LANE NAPERVILLE, IL 60540 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS LLC | 4 WESTBROOK CORPORATE CTR WESTCHESTER, IL 60154 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.32% |
| ESSER HAYES INSURANCE GROUP3 Filed as: ESSER HAYES INSURANCE GROUP INC | 1811 HIGH GROVE LN SUITE 139 NAPERVILLE, IL 60540 | PRINCIPAL LIFE INSURANCE COMPANY | $576 | — | $576 | 0.93% |
| BRENT SHUNK3 | 2921 GREENBRIAR DR STE A SPRINGFIELD, IL 62704 | NORTHWESTERN MUTUAL | $4K | — | $4K | 10.48% |
| DAVID PATRICK SCHEINA3 | 2921 GREENBRIAR DR STE A SPRINGFIELD, IL 62704 | NORTHWESTERN MUTUAL | $382 | — | $382 | 1.05% |
| MCCLURE FNCL GROUP INC3 | 301 N NEIL ST STE 501 CHAMPAIGN, IL 61820 | NORTHWESTERN MUTUAL | $382 | — | $382 | 1.05% |
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 | 761 | 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) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 565 | $318K |
| Dental(2 contracts, 2 carriers) | HUMANA | 723 | $368K |
| Vision | HUMANA | 723 | $306K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,409 | $418K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 565 | $318K |
| Long-term disability | NORTHWESTERN MUTUAL | 112 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,409 | — |
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.