| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD, STE 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 11.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 6.19% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.53% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 2201 WOODLAWN RD. LINCOLN, IL 62656 | DEARBORN LIFE INSURANCE COMPANY | $14 | $1K | $1K | 0.89% |
| GUADALUPE DITORO3 | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.99% |
| KEVIN CALDER3 | 220 GARDEN ST YORKVILLE, IL 60560 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.63% |
| ATD EMPLOYER SOLUTIONS INC3 Filed as: ATD EMPLOYER SOLUTIONS INC. | PO BOX 258 HAMPTON, IL 61256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $263 | $0 | $263 | 0.77% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE, SUITE 3A BAY ST LOUIS, MO 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $186 | $0 | $186 | 0.54% |
| ANTHONY M SIMONETTA3 | 1303 SHEFFIELD CT CAROL STREAM, IL 60188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | $0 | $169 | 0.49% |
| STEVE SONEN3 | 17 CARLISLE ROAD HAWTHORN WOODS, IL 60047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.04% |
| SCOTT PUIG3 | 557 N HOUGH ST., STE F BARRINGTON, IL 60010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $2K | $0 | $2K | 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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 309 | $18K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 321 | $166K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 321 | $132K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 321 | $132K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 321 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.