| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYRNE, BYRNE AND COMPANY3 | 217 N. JEFFERSON ST., SUITE 450 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $66K | $1K | $68K | 3.12% |
| BYRNE, BYRNE AND COMPANY3 | 120 S. LASALLE STREET, SUITE 1710 CHICAGO, IL 60603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BYRNE, BYRNE AND COMPANY3 | 120 S. LASALLE STREET, SUITE 1710 CHICAGO, IL 60603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BYRNE, BYRNE AND COMPANY3 | 120 S. LASALLE STREET, SUITE 1710 CHICAGO, IL 60603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BYRNE, BYRNE AND COMPANY3 | 120 S. LASALLE STREET, SUITE 1710 CHICAGO, IL 60603 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $1K | — | $1K | 8.40% |
| BYRNE, BYRNE AND COMPANY3 | 120 S. LASALLE STREET, SUITE 1710 CHICAGO, IL 60603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 286 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 286 | $2.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 251 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $29K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.