| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 BENEFITS LLC3 | 6 N THROOP STREET #2N CHICAGO, IL 60607 | BLUE CROSS BLUE SHIELD OF IL | $29K | $0 | $29K | 4.08% |
| LAMB LITTLE & CO3 | 1101 PERIMETER DR STE 500 SCHAUMBURG, IL 601735060 | BLUE CROSS BLUE SHIELD OF IL | $0 | $487 | $487 | 0.07% |
| 360 BENEFITS LLC3 | 6 N THROOP STREET #2N CHICAGO, IL 60607 | DELTA DENTAL OF ILLINOIS | $2K | $0 | $2K | 7.68% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $192 | $3K | 19.44% |
| 360 BENEFITS LLC3 | 6 N THROOP STREET #2N CHICAGO, IL 60607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.36% |
| LAMB LITTLE & CO3 | 1101 PERIMETER DR STE 500 SCHAUMBURG, IL 601735060 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $85 | $0 | $85 | 0.64% |
| 360 BENEFITS LLC3 | 6 N THROOP STREET #2N CHICAGO, IL 60607 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.11% |
| 360 BENEFITS LLC3 | 6 N THROOP STREET #2N CHICAGO, IL 60607 | VSP | $543 | $0 | $543 | 9.25% |
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 | 95 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 95 | $701K |
| Dental | DELTA DENTAL OF ILLINOIS | 70 | $31K |
| Vision | VSP | 64 | $6K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $25K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 94 | $12K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.