| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MANNER INSURANCE AGENCY INC.3 Filed as: JOHN MANNER INS AGENCY | 220 N LARKIN AVE JOLIET, IL 60435 | BCBS OF IL | $26K | $545 | $27K | 3.05% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | BCBS OF IL | $8K | — | $8K | 0.92% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 E GOLF RD, STE 1100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE CO | $5K | $697 | $5K | 4.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 7272 E INDIAN SCHOOL RD., STE 415 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE CO OF CANADA | $16K | $1K | $18K | 23.51% |
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 | 174 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF IL | 253 | $883K |
| Dental | METROPOLITAN LIFE INSURANCE CO | 276 | $113K |
| Vision | METROPOLITAN LIFE INSURANCE CO | 276 | $113K |
| Life insurance | SUN LIFE ASSURANCE CO OF CANADA | 177 | $74K |
| Short-term disability | SUN LIFE ASSURANCE CO OF CANADA | 177 | $74K |
| Long-term disability | SUN LIFE ASSURANCE CO OF CANADA | 177 | $74K |
| Other | SUN LIFE ASSURANCE CO OF CANADA | 177 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.