| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SERVICES | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | BLUECROSS BLUE SHIELD OF ILLINOIS | $10K | $0 | $10K | 8.28% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON CHICAGO, IL 60661 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.00% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SVCS INC | FOUR WESTBROOK CORPORATION CENTER SUITE 500 WESTCHESTER, IL 60154 | VISION SERVICE PLAN | $714 | $0 | $714 | 3.51% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | VISION SERVICE PLAN | $247 | $0 | $247 | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $626 | $4K | 23.66% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUE SHIELD OF ILLINOIS | 305 | $125K |
| Vision | VISION SERVICE PLAN | 199 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $17K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $28K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.