| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 BENEFITS LLC3 | 20 N CLARK ST, STE 2825 CHICAGO, IL 606024109 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $65K | — | $65K | 2.20% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, STE 2825 CHICAGO, IL 606024109 | MUTUAL OF OMAHA INSURANCE COMPANY | $22K | — | $22K | 20.00% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, STE 2825 CHICAGO, IL 606024109 | EYE MED | $3K | — | $3K | 9.95% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, STE 2825 CHICAGO, IL 606024109 | GUARDIAN | $22K | — | $22K | 63.10% |
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 | 701 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 701 | $3.0M |
| Dental | GUARDIAN | 290 | $34K |
| Vision | EYE MED | 516 | $35K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 318 | $111K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 318 | $111K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 701 | $3.0M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 318 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.