| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL A SMITH3 | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $42K | $42K | 4.70% |
| MICHAEL A SMITH3 Filed as: MICHAEL SMITH | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | DELTA DENTAL OF ILLINOIS | $5K | — | $5K | 7.50% |
| SMITH, MICHAEL A3 | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.69% |
| HORIZONTAL FINANCIAL PARTNERS INC3 | STE 106-C 800 W 5TH AVE NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $639 | — | $639 | 4.32% |
| SMITH, MICHAEL A3 | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.65% |
| HORIZONTAL FINANCIAL PARTNERS INC3 | STE 106-C 800 W 5TH AVE NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $600 | — | $600 | 4.35% |
| SMITH, MICHAEL A3 | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 17.90% |
| MICHAEL A SMITH3 Filed as: MICHAEL SMITH | PO BOX 164 SUGAR GROVE, IL 60554 | VISION SERVICE PLAN | $658 | — | $658 | 8.05% |
| SMITH, MICHAEL A3 | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | UNUM INSURANCE COMPANY | $676 | — | $676 | 15.00% |
| SMITH, MICHAEL A3 | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | UNUM INSURANCE COMPANY | $256 | — | $256 | 9.90% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 92 | $892K |
| Dental | DELTA DENTAL OF ILLINOIS | 88 | $62K |
| Vision | VISION SERVICE PLAN | 71 | $8K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $10K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $15K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
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.