| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $82K | $12K | $94K | 17.18% |
| EVERGREEN BENEFITS GROUP3 Filed as: EVERGREEN BENEFITS GROUP LLC | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191K | $0 | $191K | 36.81% |
| RAFAEL T DIAZ3 | 5030 N MONTICELLO AVE CHICAGO, IL 60625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | $0 | $323 | 0.06% |
| BRENDON J PASTA3 Filed as: BRENDON JAMES PASTA | 2123 N RACINE AVE APT 1 CHICAGO, IL 606144001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | $0 | $199 | 0.04% |
| JOHN PARISH3 | 6033 N SHERIDAN ROAD CHICAGO, IL 60660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | $0 | $179 | 0.03% |
| CAROLINE R OCONNOR3 | 2611 WEST AGATITE AVENUE CHICAGO, IL 606253010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | $0 | $168 | 0.03% |
| SANDRA VELAZQUEZ3 | 6374 SW 22ND STREET MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | $0 | $165 | 0.03% |
| COLIN M JONES3 Filed as: COLIN MATTHEW JONES | 2751 PATTEN AVE GENEVA, IL 601343939 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | $0 | $148 | 0.03% |
| KATE E MCGRATH3 | 1041 HILLSIDE AVE DEERFIELD, IL 60015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | $0 | $128 | 0.02% |
| AUSTIN L OLESEN3 Filed as: AUSTIN LIE OLESEN | 325 W HURON ST STE 215 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | $0 | $127 | 0.02% |
| MITCHELL V BANDUR3 Filed as: MITCHELL VERNON BANDUR | 325 WEST HURON ST SUITE 215 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.02% |
| SHARONA ABADI3 | 18151 NE 31ST CT APT 1017 AVENTURA, FL 331602663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.00% |
| CHANTA D TORRES3 | 2815 S KILBOURN CHIC, IL 60623 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.00% |
| EVERGREEN BENEFITS GROUP3 Filed as: EVERGREEN BENEFITS GROUP LLC | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | COMBINED INSURANCE COMPANY | $10K | $0 | $10K | 43.53% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INSURANCE LLC | 8040 HOSBROOK RD SUITE 100 CINCINNATI, OH 45236 | COMBINED INSURANCE COMPANY | $489 | $0 | $489 | 2.03% |
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 | 1,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,317 | $549K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,317 | $549K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,317 | $573K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 553 | $520K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,317 | $549K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,317 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,317 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.