| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMPLIFY INSURANCE AGENCY | 1 OVERLOOK PT STE 550 LINCOLNSHIRE, IL 60069 | AETNA LIFE INSURANCE COMPANNY AND AFFILIATES | $128K | — | $128K | 4.08% |
| AMPLIFY INSURANCE AGENCY3 | 1 OVERLOOK PT STE 550 LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | $152K | $0 | $152K | 9.67% |
| AMPLIFY INSURANCE AGENCY3 | 1 OVERLOOK PT STE 550 LINCOLNSHIRE, IL 60069 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 2.30% |
| AMPLIFY INSURANCE AGENCY3 | 1 OVERLOOK PT STE 550 LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $0 | $38K | 17.03% |
| AMPLIFY INSURANCE AGENCY | 1 OVERLOOK PT STE 550 LINCOLNSHIRE, IL 60069 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 14.98% |
| AMPLIFY INSURANCE AGENCY3 | 1 OVERLOOK PT STE 550 LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 19.77% |
| AMPLIFY INSURANCE AGENCY3 | 1 OVERLOOK PT STE 550 LINCOLNSHIRE, IL 60069 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $2K | $0 | $2K | 11.35% |
| AMPLIFY INSURANCE AGENCY3 | 1 OVERLOOK PT STE 550 LINCOLNSHIRE, IL 60069 | BETA HEALTH | $1K | $0 | $1K | 9.49% |
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 | 3,553 | 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) | 3,553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANNY AND AFFILIATES | 879 | $3.6M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,427 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,427 | $1.6M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,185 | $886K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,427 | $2.2M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,427 | $2.2M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,185 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,427 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.