| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H GROUP BENEFITS INC3 | 610 ANTHONY TRAIL NORTHBROOK, IL 600622540 | UNITED HEALTHCARE | $0 | $118K | $118K | 8.16% |
| H GROUP BENEFITS INC3 | 610 ANTHONY TRAIL NORTBROOK, IL 60062 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | $5K | $32K | 18.27% |
| DAVID HELLER3 | 610 ANTHONY TRAIL NORTHBROOK, IL 60062 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| H GROUP BENEFITS INC3 | 610 ANTHONY TRAIL NORTHBROOK, IL 60062 | GUARDIAN | $5K | $0 | $5K | 20.00% |
| CC SERVICES INC3 Filed as: CC SERVICES INC. | 1701 TOWANDA AVE BLOOMINGTON, IL 61701 | GUARDIAN | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED - | 1850 W WINCHESTER RD SUITE 103 LIBERTYVILLE, IL 60048 | COMPANION LIFE | $3K | $0 | $3K | 15.80% |
| RELATION INSURANCE INC3 Filed as: RELATIONS INSURANCE SERVICES GR | — | DELTA DENTAL OF ILLINOIS | $1K | $0 | $1K | 6.93% |
| CC SERVICES INC3 | 1701 TOWANDA AVE BLOOMINGTON, IL 61701 | DELTA DENTAL OF ILLINOIS | — | — | $0 | 0.00% |
| H GROUP BENEFITS INC | 610 ANTHONY TRAIL NORTHBROOK, IL 60062 | DELTA DENTAL OF ILLINOIS | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JEFFREY W KROL & ASSOCIATES, LTD. EIN 36-3094368 NONE | Accounting (including auditing) Service code 10 | — | $57K |
| FGMK, LLC EIN 36-2929601 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| THOMAS PARAVOLA EIN 36-0522075 NONE | Legal Service code 29 | — | $28K |
| JAMES MELTREGER EIN 36-6108981 OFFICER-REL UNION& PII | Employee (plan) Service code 30 | — | $21K |
| VINCENT SENESE EIN 36-6108981 FAMILY TO PARTY IN INTERE | Employee (plan) Service code 30 | — | $8K |
| LANER MUCHIN, LTD. EIN 36-3088463 EMPLOYER TRUSTEE | Trustee (individual) Service code 20 | — | $6K |
| TAMMY HENRICHS EIN 36-6108981 OFFICER-RELATED UNION | Employee (plan) Service code 30 | — | $5K |
| JEFFREY PIERUCCI EIN 36-6108981 OFFICER-RELATED UNION | Employee (plan) Service code 30 | — | $3K |
| SHAWN FORD EMPLOYER TRUSTEE | Trustee (individual) Service code 20 | 4608 HOLLY STREET KANSAS CITY, MO 64112 | $3K |
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 | 2,352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 201 | $1.4M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $191K |
| Vision(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $221K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $221K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 330 | $173K |
| Other | GUARDIAN | 0 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.