| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN SPAHN3 | 377 EAST BUTTERFIELD ROAD SUITE 400 LOMBARD, IL 60148 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59K | $0 | $59K | 4.00% |
| SETH KALKSTEIN3 Filed as: SETH J. KALKSTEIN | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $0 | $44K | 3.00% |
| E P AMATA3 Filed as: E. P. AMATA | 29 SOUTH MAINSTREET, SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | $0 | $39K | 2.66% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $30K | $30K | 2.02% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 29 SOUTH MAINSTREET, SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 10.00% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $982 | $0 | $982 | 7.00% |
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 | 939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 823 | $32K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 939 | $1.5M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 939 | $1.5M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 939 | $1.5M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 939 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.