| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF ILLINOIS | FOUR WESTBRROK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | GUARDIAN | $12K | $2K | $14K | 17.42% |
| MARSH & MCLENNAN AGENCY LLC Filed as: INSENTIAL INC. | 206 SOUTH JEFFERSON CHICAGO, IL 60661 | GUARDIAN | $4K | — | $4K | 5.00% |
| AMERICAN WESTBROOK INSURANCE3 | 4 WESTBROOK CORPORATE CENTER #500 WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 7.10% |
| CC SERVICES INC3 | — | DELTA DENTAL OF ILLINOIS | $133 | — | $133 | 0.26% |
| AMERICAN WESTBROOK INSURANCE3 | 4 WESTBROOK CORPORATE CENTER #500 WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 18.77% |
| CC SERVICES INC3 | — | DELTA DENTAL OF ILLINOIS | $534 | — | $534 | 3.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FGMK, LLC EIN 36-2929601 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| JEFFREY W KROL & ASSOCIATES, LTD EIN 36-3094368 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| THOMAS PARAVOLA EIN 36-0522075 NONE | Legal Service code 29 | — | $4K |
| JAMES MELTREGER EIN 36-6108981 OFFICER | Employee (plan) Service code 30 | — | $4K |
| VINCENT SENESE EIN 36-6108981 RELATIVE | Employee (plan) Service code 30 | — | $1K |
| JEFFREY PIERUCCI EIN 36-6108981 OFFICER | Employee (plan) Service code 30 | — | $1K |
| TAMMY HENRICHS EIN 36-6108981 OFFICER | Employee (plan) Service code 30 | — | $750 |
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 | 2,256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF ILLINOIS | 25 | $67K |
| Vision | GUARDIAN | 1,485 | $82K |
| Life insurance | GUARDIAN | 1,485 | $82K |
| Other | GUARDIAN | 1,485 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,485 | — |
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.