| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL A SMITH3 | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | BLUECROSS BLUESHIELD OF ILLINOIS | $51K | $5K | $56K | 4.34% |
| 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 | $3K | — | $3K | 15.00% |
| SMITH, MICHAEL A3 | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.91% |
| SMITH, MICHAEL A3 | PO BOX 164 SUGAR GROVE, IL 60554 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.68% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: EMPLOYEE BENEFITS RISK MGMT | 823 COMMERCE DR #350 OAK BROOK, IL 60523 | DEARBORN LIFE INSURANCE COMPANY | — | $750 | $750 | 5.01% |
| MICHAEL A SMITH3 Filed as: MICHAEL SMITH | PO BOX 164 SUGAR GROVE, IL 60554 | VISION SERVICE PLAN | $754 | — | $754 | 7.46% |
| SMITH, MICHAEL A3 | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | UNUM INSURANCE COMPANY | $1K | — | $1K | 14.00% |
| SMITH, MICHAEL A3 | 43W444 SCOTT RD SUGAR GROVE, IL 60554 | UNUM INSURANCE COMPANY | $731 | — | $731 | 10.79% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 139 | $1.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 96 | $70K |
| Vision | VISION SERVICE PLAN | 84 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $34K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $16K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.