| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITI FINANCIAL SERVICES INC3 Filed as: VITI FINANCIAL SERVICES | 445 SHERIDAN RD HIGHWOOD, IL 60040 | MEDICAL ASSOCIATES | $19K | — | $19K | 1.91% |
| THE VOGT GROUP3 | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | MEDICAL ASSOCIATES | $3K | — | $3K | 0.30% |
| JOSEPH R HOVANEC3 Filed as: JOSEPH HOVANEC | 707 SKOKIE BLVD STE 600 NORTHBROOK, IL 600622841 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 12.84% |
| JOSEPH R HOVANEC3 Filed as: JOSEPH HOVANEC | 707 SKOKIE BLVD STE 600 NORTHBROOK, IL 600622841 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 5.62% |
| THE VOGT GROUP3 Filed as: VOGT GROUP INC | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | DELTA DENTAL OF ILLINOIS | $411 | — | $411 | 1.20% |
| JOSEPH R HOVANEC3 Filed as: JOSEPH HOVANEC | 707 SKOKIE BLVD STE 600 NORTHBROOK, IL 600622841 | FIDELITY SECURITY LIFE INSURNACE COMPANY | $527 | — | $527 | 10.20% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. STE. 125 ROCKVILLE, MD 20855 | FIDELITY SECURITY LIFE INSURNACE COMPANY | $105 | — | $105 | 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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL ASSOCIATES | 129 | $980K |
| Dental | DELTA DENTAL OF ILLINOIS | 55 | $34K |
| Vision | FIDELITY SECURITY LIFE INSURNACE COMPANY | 51 | $5K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $44K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $44K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $44K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.