| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC | 7N024 MEDINAH RD. BOX 129 MEDINAH, IL 60157 | UNITED HEALTHCARE | — | $89K | $89K | 5.66% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC | 7N024 MEDINAH RD. BOX 129 MEDINAH, IL 60157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | — | $472 | $472 | 0.08% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC | 7N024 MEDINAH RD. BOX 129 MEDINAH, IL 60157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | — | $2K | $2K | 2.74% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC. | 7N024 MEDINAH RD. BOX 129 MEDINAH, IL 60157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | — | $2K | $2K | 2.31% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP INC | 7N024 MEDINAH RD. BOX 129 MEDINAH, IL 60157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | — | $1K | $1K | 1.64% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC | 7N024 MEDINAH RD. BOX 129 MEDINAH, IL 60157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | — | $1K | $1K | 1.58% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURNACE GROUP, INC | 7N024 MEDINAH RD. BOX 129 MEDINAH, IL 60157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | — | $1K | $1K | 1.43% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC | 7N024 MEDINAH RD. BOX 129 MEDINAH, IL 60157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | — | $359 | $359 | 0.46% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP INC | 7N024 MEDINAH RD. BOX 129 MEDINAH, IL 60157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | — | $145 | $145 | 0.18% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 122 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 107 | $578K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 107 | $78K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 107 | $78K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 107 | $78K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 107 | $78K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. | 107 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.