| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE | 1750 E GOLF RD SCHAUMBURG, IL 60173 | STAFF BENEFITS MANAGEMENT, INC. | $86K | — | $86K | 8.63% |
| DAVID J MCCLELLAN3 Filed as: DAVID GANGI | — | BLUE CROSS BLUE SHIELD OF MI | $14K | — | $14K | 1.87% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | BLUE CROSS BLUE SHIELD OF MI | — | $6K | $6K | 0.87% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 EAST GOLF ROAD 11TH FL SCHAUMBURG, IL 60173 | HARTFORD LIFE AND ACCIDENT | $46K | $7K | $53K | 17.20% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.36% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.85% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFIT ADVISORS INC | 2400 MAIN ST STE 200 IRVINE, CA 92614 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 16.87% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF RD SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 8.37% |
| FRANK CRIVELLO3 | 2365 NORTHSIDE DR SUITE 575 SAN DIEGO, CA 92108 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.49% |
| FRANK CRIVELLO3 | 4858 MERCURY ST STE 110 SAN DIEGO, CA 92111 | TRANSAMERICA LIFE INSURANCE COMPANY | $664 | — | $664 | 0.85% |
| BROOKS JUCHA & ASSOCIATES3 Filed as: BROOKS JUCHA & ASSOCIATES INSURANCE | 11405 WEST BERNARDO CT SAN DIEGO, CA 92127 | TRANSAMERICA LIFE INSURANCE COMPANY | $220 | — | $220 | 0.28% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 EAST GOLF ROAD 11TH FL SCHAUMBURG, IL 60173 | HARTFORD LIFE AND ACCIDENT | $2K | $27 | $2K | 15.21% |
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 | 892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STAFF BENEFITS MANAGEMENT, INC. | 892 | $999K |
| Dental(2 contracts, 2 carriers) | STAFF BENEFITS MANAGEMENT, INC. | 892 | $1.1M |
| Vision(2 contracts, 2 carriers) | STAFF BENEFITS MANAGEMENT, INC. | 892 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 619 | $387K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 619 | $309K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 619 | $309K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MI | 486 | $739K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 629 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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.
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.