| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINLOIS LLC | 4 WESBROOK CORPORATE STE 500 WESTCHESTER, IL 60154 | HUMANA | $8K | — | $8K | 2.64% |
| HOWARD B LABOW3 | 666 DUNDEE RD, STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47K | — | $47K | 16.24% |
| DAVID STREICH Filed as: DAVID STEICH | 1811 HIGH GROVE LN SUITE 139 NAPERVILLE, IL 60540 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 2.34% |
| PEOPLE ETC LLC3 | 275 E COURT ST SUITE 201 KANKAKEE, IL 60901 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.14% |
| ERIKA M TORRES | 10805 LACROSSE AVE OAK LAWK, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.02% |
| JOHN A FRIAS3 | 1913 N WASHINGTON ST WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS LLC | 4 WESTBROOK CORPORATE CTR WESTCHESTER, IL 60154 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 6.56% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $1K | $15K | 22.05% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS LLC | 4350 WEAVER PKWY WARRENVILLE, IL 60555 | VSP | $690 | — | $690 | 4.43% |
| ESSER HAYES INSURANCE GROUP3 | 4350 WEAVER PKWY WARRENVILLE, IL 60555 | VSP | $265 | — | $265 | 1.70% |
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 | 708 | 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) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 523 | $289K |
| Dental(2 contracts, 2 carriers) | HUMANA | 664 | $389K |
| Vision(2 contracts, 2 carriers) | HUMANA | 664 | $335K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,526 | $379K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 523 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,526 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.