| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA WINE SERGI & CO | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | BLUECROSS BLUESHIELD OF ILLINOIS | $80K | $2K | $82K | 3.48% |
| WINE SERGI & CO LLC3 Filed as: WINE SERGI & COMPANY, LLC | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | BLUECROSS BLUESHIELD OF ILLINOIS | $46 | $0 | $46 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA WINE SERGI & | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $14K | $0 | $14K | 10.78% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA WINE SERGI & | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.57% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 605631867 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.99% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA WINE SERGI & | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA WINE SERGI & | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| WINE SERGI & CO LLC3 Filed as: WINE SERGI & CO., LLC | 1000 E. WARRENVILLE RD. SUITE 101 NAPERVILLE, IL 60563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.92% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA WINE SERGI & CO | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $270 | $0 | $270 | 5.45% |
| WINE SERGI & CO LLC3 | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82 | $0 | $82 | 1.66% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 452 | $2.4M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 89 | $126K |
| Vision | VISION SERVICE PLAN | 137 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 338 | $30K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $10K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 338 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.