| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | DEARBORN LIFE INSURANCE COMPANY | $16K | — | $16K | 9.32% |
| JENSON M CARUTH3 | 7825 WASHINGTON AVE. S #710 BLOOMINGTON, MN 55439 | THE STANDARD INSURANCE COMPANY | $14K | $813 | $15K | 15.93% |
| MARSH & MCLENNAN AGENCY LLC3 | PAYNEWEST INSURANCE PO BOX 4386 MISSOULA, MT 59806 | THE STANDARD INSURANCE COMPANY | $6K | $680 | $6K | 6.80% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 14 WATERFRONT WAY HAMMONTON, NJ 08037 | THE STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.12% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $65 | — | $65 | 0.40% |
| JENNON CARUTH3 | 1331 HEALTHER CT. CHANHASSEN, MN 55317 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 15.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 20 N. MARTINGALE RD. STE 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 8.15% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1060 MAITLAND CENTER COMMONS BLVD. #210 MAITLAND, FL 32751 | TRUSTMARK INSURANCE COMPANY | $262 | — | $262 | 1.92% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | 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. | 377 | $16K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 249 | $181K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 249 | $167K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 249 | $167K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 249 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
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.