| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | GUARDIAN LIFE INSURANCE COMPANY | $27K | $6K | $33K | 12.85% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 49.07% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | $0 | $23K | 70.64% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 51.82% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 66.64% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 30.14% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 45.38% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 45.77% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 60.04% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 27.87% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 43.65% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.66% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 57.52% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 37.84% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 65.83% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 56.17% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 10.29% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 10.00% |
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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 951 | $260K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 951 | $260K |
| Life insurance(15 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 951 | $529K |
| Short-term disability(16 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 84 | $269K |
| Other(16 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 951 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.