| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMB LITTLE & CO3 | 1101 PERIMETER DR STE 500 SCHAUMBURG, IL 601735060 | BLUE CROSS BLUE SHIELD OF IL | $24K | $0 | $24K | 3.93% |
| 360 BENEFITS LLC3 | 6 N THROOP STREET #2N CHICAGO, IL 60607 | BLUE CROSS BLUE SHIELD OF IL | $2K | $0 | $2K | 0.30% |
| LAMB LITTLE & CO3 | 1101 PERIMETER DR SUITE 500 SCHAUMBURG, IL 601735060 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.01% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.47% |
| LAMB LITTLE & CO3 | 1101 PERIMETER DR SUITE 500 SCHAUMBURG, IL 601735060 | DELTA DENTAL | $2K | $0 | $2K | 6.35% |
| 360 BENEFITS LLC3 | 6 N THROOP STREET #2N CHICAGO, IL 60607 | DELTA DENTAL | $311 | $0 | $311 | 1.20% |
| LAMB LITTLE & CO3 | 1101 PERIMETER DR SUITE 500 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.47% |
| 360 BENEFITS LLC3 | 6 N THROOP STREET #2N CHICAGO, IL 60607 | DEARBORN LIFE INSURANCE COMPANY | $82 | $0 | $82 | 0.77% |
| LAMB LITTLE & CO3 | 1101 PERIMETER DR SUITE 500 SCHAUMBURG, IL 601735060 | VISION SERVICE PLAN | $507 | $0 | $507 | 9.09% |
| 360 BENEFITS LLC3 | 20 N CLARK ST SUITE 2825 CHICAGO, IL 60602 | VISION SERVICE PLAN | $22 | $0 | $22 | 0.39% |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 85 | $610K |
| Dental | DELTA DENTAL | 55 | $26K |
| Vision | VISION SERVICE PLAN | 58 | $6K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 97 | $47K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 95 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 95 | $36K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 97 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.