| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TASK INSURANCE GROUP, LLC3 | 1821 WALDEN OFFICE SQUARE SUITE 350 SCHAUMBURG, IL 60173 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | — | $23K | 7.39% |
| MJ INSURANCE3 Filed as: R. BENTANCUR AND VARIOUS AGENTS | 2035 ALTA VISTA STREET HOUSTON, TX 77023 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 16.68% |
| TASK INSURANCE GROUP, LLC3 | 1821 WALDEN OFFICE SQUARE SUITE 350 SCHAUMBURG, IL 60173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $881 | $10K | 16.66% |
| JOHNSON SCHAFF3 | 2124 WASHINGTON AVENUE WILMETTE, IL 60091 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 6.41% |
| REBECCA STERNBERG3 | 374 MILFORD ROAD DEERFILED, IL 60015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $370 | $3K | 4.66% |
| DAVID TODD WEINSTEIN3 | 601 WEST JACKSON BOULEVARD UNIT 912 CHICAGO, IL 60661 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $932 | $1K | $2K | 3.91% |
| LINDA CANTU3 | 902 WEST 12TH STREET FREEPORT, TX 77541 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $485 | $2K | 3.41% |
| NORMA R WARNER3 Filed as: NORMA R. WARNER | 4705 STILL MEADOWS STREET LIBERTY, TX 77575 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $152 | $1K | 2.06% |
| TASK INSURANCE GROUP, LLC3 | 1821 WALDEN OFFICE SQUARE SUITE 350 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $4K | — | $4K | 11.15% |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 156 | $61K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 585 | $308K |
| Vision | EYEMED VISION CARE | 473 | $33K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 585 | $308K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 585 | $308K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 585 | $308K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 585 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.