| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | GUARDIAN LIFE INSURANCE COMPANY | $75K | $8K | $83K | 12.21% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 20.02% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | $0 | $41K | 61.55% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | $0 | $39K | 64.12% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42K | $0 | $42K | 70.06% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 46.39% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 39.33% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | $0 | $20K | 58.24% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 50.48% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 41.86% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 50.50% |
| EVERGREEN BENEFITS GROUP3 | 704 LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $0 | $19K | 77.27% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 33.26% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 45.00% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 73.95% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 43.37% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 39.13% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 50.79% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 31.77% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 31.66% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 32.56% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 68.78% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 78.15% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 92.94% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 70.81% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 75.35% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 72.27% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 70.48% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 71.50% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 60.45% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 72.59% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $624 | $0 | $624 | 71.07% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $499 | $0 | $499 | 60.05% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | $0 | $241 | 57.93% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | $0 | $85 | 53.13% |
| EVERGREEN BENEFITS GROUP3 | 7040 N RIDGEWAY AVE LINCOLNWOOD, IL 60712 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 50.00% |
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 | 1,217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,322 | $678K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 1,322 | $678K |
| Life insurance(31 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 1,322 | $1.3M |
| Short-term disability(33 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 134 | $643K |
| Other(36 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 1,322 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,322 | — |
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.