| 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 | $125K | $1K | $126K | 4.04% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC. | 300 S WACKER DR, STE 100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.50% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC. | 300 S WACKER DR, STE 100 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.64% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC. | 300 S WACKER DR, STE 100 CHICAGO, IL 60606 | VISION SERVICE PLAN | $723 | — | $723 | 4.24% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 392 | $3.1M |
| Dental | HEALTH CARE SERVICE CORPORATION | 392 | $3.1M |
| Vision | VISION SERVICE PLAN | 164 | $17K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $135K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $135K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 392 | $3.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 209 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.