| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC. | 300 S WACKER DR, STE 100 CHICAGO, IL 60606 | HEALTH CARE SERVICE CORPORATION | $127K | — | $127K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | HEALTH CARE SERVICE CORPORATION | — | $4K | $4K | 0.12% |
| KAMM INSURANCE GROUP3 | 300 S WACKER DR, STE 100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.18% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC. | 300 S WACKER DR, STE 100 CHICAGO, IL 60606 | VISION SERVICE PLAN | $1K | — | $1K | 6.00% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 405 | $3.2M |
| Dental | HEALTH CARE SERVICE CORPORATION | 405 | $3.2M |
| Vision | VISION SERVICE PLAN | 158 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $109K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $109K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 405 | $3.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.