| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | BLUECROSS BLUESHIELD OF ILLINOIS | $57K | $0 | $57K | 3.18% |
| ADVANCED STRATEGIES, INC.3 Filed as: ADVANCED STRATEGIES INCORPORATED | 340 E N WATER ST UNIT 1900 CHICAGO, IL 60611 | BLUECROSS BLUESHIELD OF ILLINOIS | $13K | $0 | $13K | 0.70% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE LLC | 8700 W BRYN MAWR AVE SUITE 1010S CHICAGO, IL 60631 | BLUECROSS BLUESHIELD OF ILLINOIS | $7K | $0 | $7K | 0.41% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.42% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.54% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 18.88% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | STANDARD INSURANCE COMPANY | $957 | $0 | $957 | 3.92% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE | 8700 W BRYN MAWR AVE SUITE 1010S CHICAGO, IL 60631 | STANDARD INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 10.66% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | STANDARD INSURANCE COMPANY | $700 | $0 | $700 | 3.07% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.89% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | STANDARD INSURANCE COMPANY | $564 | $0 | $564 | 2.80% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.39% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | STANDARD INSURANCE COMPANY | $404 | $0 | $404 | 2.53% |
| WESLEY M LARKIN3 | 730 LATHROP AVE RIVER FOREST, IL 60305 | GUARDIAN | $1K | $0 | $1K | 7.95% |
| ADVANCED STRATEGIES, INC.3 Filed as: ADVANCED STRATEGIES INCORPORATED | 340 E N WATER ST UNIT 1900 CHICAGO, IL 60611 | GUARDIAN | $298 | — | $298 | 2.00% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 283 | $1.8M |
| Dental | STANDARD INSURANCE COMPANY | 163 | $97K |
| Vision | GUARDIAN | 136 | $15K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 136 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 56 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 127 | $23K |
| Other | GUARDIAN | 136 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.