| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INSURANCE3 | 4 WESTBROOK CORPORATE CENTER #500 WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $15K | $0 | $15K | 12.37% |
| AMERICAN WESTBROOK INSURANCE3 | 4 WESTBROOK CORPORATE CENTER #500 WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $19K | $0 | $19K | 17.26% |
| AMERICAN WESTBROOK INS SERVICES LLC Filed as: AMERICAN WESTBROOK INS SVCS | FOUR WESTBRROK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | GUARDIAN | $16K | $0 | $16K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: INSENTIAL INC. | 206 SOUTH JEFFERSON CHICAGO, IL 60661 | GUARDIAN | $5K | $0 | $5K | 5.00% |
| JAMES K GEORGE3 | 2753 CANTERBURY DRIVE NORTHBROOK, IL 60062 | GUARDIAN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES MELTREGER EIN 36-6108981 OFFICER | Employee (plan) Service code 30 | — | $47K |
| JEFFREY W KROL & ASSOCIATES, LTD EIN 36-3094368 NONE | Accounting (including auditing) Service code 10 | — | $42K |
| VINCENT SENESE EIN 36-6108981 NONE | Employee (plan) Service code 30 | — | $16K |
| FGMK, LLC EIN 36-2929601 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| JEFFREY PIERUCCI EIN 36-6108981 NONE | Employee (plan) Service code 30 | — | $11K |
| THOMAS PARAVOLA EIN 36-0522075 NONE | Legal Service code 29 | — | $11K |
| TAMMY HENRICHS EIN 36-6108981 OFFICER | Employee (plan) Service code 30 | — | $9K |
| WARCHOL INVESTMENTS EIN 34-8467719 NONE | Consulting (general) Service code 16 | 3450 COMMERCIAL AVE NORTHBROOK, IL 60062 | $8K |
| MARY MURPHY EIN 36-6108981 NONE | Employee (plan) Service code 30 | — | $8K |
| JUAN FERNANDEZ JR. EIN 36-6108981 NONE | Employee (plan) Service code 30 | — | $745 |
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 | 1,825 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF ILLINOIS | 171 | $235K |
| Vision | GUARDIAN | 2,837 | $104K |
| Life insurance | GUARDIAN | 2,837 | $104K |
| Other | GUARDIAN | 2,837 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,837 | — |
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.