| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SURE LIFE FINANCIAL GROUP LLC3 | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $1K | $47K | 4.20% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY INC | 234 SPRING LAKE DR ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.27% |
| EUCLID MANAGERS3 | 234 SPRING LAKE DR ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.26% |
| SURE LIFE FINANCIAL GROUP LLC3 Filed as: SURE LIFE FINANCIAL GROUP | 3811 LANDINGS JOLIET, IL 60431 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 8.04% |
| SURE LIFE FINANCIAL GROUP LLC3 | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 9.24% |
| SURE LIFE FINANCIAL GROUP LLC3 | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.63% |
| ASSURANCE AGENCY LTD3 Filed as: SUN LIFE FINANCIAL GROUP LLC | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.21% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 124 | $70K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 124 | $70K |
| Life insurance | STANDARD INSURANCE COMPANY | 173 | $52K |
| Short-term disability | STANDARD INSURANCE COMPANY | 172 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 100 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
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.