| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INSURANCE3 | 4 WESTBROOK CORPORATE CENTER #500 WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $16K | — | $16K | 15.00% |
| AMERICAN WESTBROOK INSURANCE3 | 4 WESTBROOK CORPORATE CENTER #500 WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $16K | — | $16K | 16.72% |
| AMERICAN WESTBROOK INSURANCE3 | 4 WESTBROOK INSURANCE CTR. STE 500 WESTCHESTER, IL 60154 | PRO TEC INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| AMERICAN WESTBROOK INSURANCE3 | 4 WESTBROOK INSURANCE CTR. STE 500 WESTCHESTER, IL 60154 | PRO TEC INSURANCE COMPANY | $1K | — | $1K | 5.33% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: DON'T USE - LICENSE EXPIRED | — | PRO TEC INSURANCE COMPANY | $1K | — | $1K | 4.68% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: DON'T USE - LICENSE EXPIRED | — | PRO TEC INSURANCE COMPANY | $1K | — | $1K | 5.27% |
| AMERICAN WESTBROOK INSURANCE3 | 4 WESTBROOK INSURANCE CTR. STE 500 WESTCHESTER, IL 60154 | PRO TEC INSURANCE COMPANY | $1K | — | $1K | 4.73% |
| AMERICAN WESTBROOK INSURANCE3 | 4 WESTBROOK INSURANCE CTR. STE 500 WESTCHESTER, IL 60154 | PRO TEC INSURANCE COMPANY | $792 | — | $792 | 5.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JEFFREY W KROL & ASSOCIATES, LTD EIN 36-3094368 NONE | Consulting (general); Accounting (including auditing) Service code 10 | — | $130K |
| JAMES MELTREGER EIN 36-6108981 OFFICER | Employee (plan) Service code 30 | — | $50K |
| THOMAS PARAVOLA EIN 36-0522075 NONE | Legal Service code 29 | — | $29K |
| VINCENT SENESE EIN 36-6108981 NONE | Employee (plan) Service code 30 | — | $19K |
| FGMK, LLC EIN 36-2929601 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| TAMMY HENRICHS EIN 36-6108981 OFFICER | Employee (plan) Service code 30 | — | $10K |
| JUAN FERNANDEZ JR. EIN 36-6108981 NONE | Employee (plan) Service code 30 | — | $9K |
| MARY MURPHY EIN 36-6108981 NONE | Employee (plan) Service code 30 | — | $8K |
| JEFFREY PIERUCCI EIN 36-6108981 NONE | Employee (plan) Service code 30 | — | $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 | 3,654 | 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) | 3,654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF ILLINOIS | 192 | $208K |
| Vision(2 contracts) | PRO TEC INSURANCE COMPANY | 200 | $52K |
| Life insurance(2 contracts) | PRO TEC INSURANCE COMPANY | 1,842 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,842 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.