| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | GUARDIAN | $95K | $15K | $110K | 17.44% |
| EVERGREEN BENEFITS GROUP3 Filed as: EVERGREEN BENEFITS GROUP, LLC | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234K | $0 | $234K | 57.55% |
| CHANTA D TORRES3 | 2815 S KILBOURN CHICAGO, IL 60623 | CONTINENTAL AMERICAN INSURANCE COMPANY | $799 | $0 | $799 | 0.20% |
| RAFAEL T DIAZ3 | 4845 N ALBANY AVE APT 3 CHICAGO, IL 606256800 | CONTINENTAL AMERICAN INSURANCE COMPANY | $751 | $0 | $751 | 0.18% |
| JOHN PARISH3 | 6033 N SHERIDAN ROAD CHICAGO, IL 60660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $579 | $0 | $579 | 0.14% |
| BRENDON J PASTA3 Filed as: BRENDON JAMES PASTA | 2123 N RACINE AVE APT 1 CHICAGO, IL 606144001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $543 | $0 | $543 | 0.13% |
| CAROLINE R OCONNOR3 | 2611 WEST AGATITE AVENUE CHICAGO, IL 606253010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $519 | $0 | $519 | 0.13% |
| KATE E MCGRATH3 | 1041 HILLSIDE AVE DEERFIELD, IL 60015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $334 | $0 | $334 | 0.08% |
| COLIN M JONES3 Filed as: COLIN MATTHEW JONES | 2751 PATTEN AVE GENEVA, IL 601343939 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | $0 | $295 | 0.07% |
| AUSTIN L OLESEN3 Filed as: AUSTIN LIE OLESEN | 325 W HURON ST STE 215 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | $0 | $286 | 0.07% |
| MITCHELL V BANDUR3 Filed as: MITCHELL VERNON BANDUR | 325 WEST HURON ST SUITE 215 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | $0 | $201 | 0.05% |
| EVERGREEN BENEFITS GROUP3 Filed as: EVERGREEN BENEFITS GROUP, LLC | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | COMBINED INSURANCE | $111K | $0 | $111K | 89.29% |
| BENEFITS ALL IN LLC3 | 8040 HOSBROOK RD SUITE 100 CINCINNATI, OH 45236 | COMBINED INSURANCE | $12K | $0 | $12K | 9.60% |
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 | 1,187 | 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) | 1,187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 1,364 | $632K |
| Vision | GUARDIAN | 1,364 | $632K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 1,364 | $756K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 503 | $407K |
| Long-term disability | GUARDIAN | 1,364 | $632K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 1,364 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,364 | — |
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."
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.