| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 1750 E GOLF RD STE 140 SCHAUMBURG, IL 60173 | THE STANDARD | $3K | — | $3K | 4.91% |
| EXODUS BUSINESS STRATEGIES3 | 2001 BUTTERFIELD RD #800 DOWNERS GROVE, IL 60515 | THE STANDARD | $460 | — | $460 | 0.65% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 1750 E GOLF RD STE 140 SCHAUMBURG, IL 60173 | THE STANDARD | $5K | — | $5K | 10.66% |
| EXODUS BUSINESS STRATEGIES3 | 2001 BUTTERFIELD RD #800 DOWNERS GROVE, IL 60515 | THE STANDARD | -$236 | — | -$236 | -0.51% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 1750 E GOLF RD STE 140 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.27% |
| EXODUS BUSINESS STRATEGIES3 | 2001 BUTTERFIELD RD #800 DOWNERS GROVE, IL 60515 | STANDARD INSURANCE COMPANY | $241 | — | $241 | 0.63% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 1750 E GOLF RD STE 140 CHICAGO, IL 60173 | VSP | $827 | — | $827 | 4.57% |
| EXODUS BUSINESS STRATEGIES3 | 112 N MYRTLE AVE ELMHURST, IL 601262625 | VSP | $80 | — | $80 | 0.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD. NONE | Claims processing Service code 12 | 915 NATIONAL PKWY SUITE F SCHAUMBURG, IL 60173 | $212K |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VSP | 195 | $18K |
| Life insurance | THE STANDARD | 260 | $71K |
| Short-term disability | STANDARD INSURANCE COMPANY | 260 | $38K |
| Long-term disability | THE STANDARD | 260 | $46K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 190 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.