| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED STRATEGIES, INC.3 Filed as: ADVANCED STRATEGIES INC | 730 LATHROP AVE RIVER FOREST, IL 60305 | BLUECROSS BLUESHIELD OF ILLINOIS | $90K | $0 | $90K | 3.86% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE LLC | 8770 W BRYN MAWR AV SUITE 1290 CHICAGO, IL 60631 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $0 | $0 | 0.00% |
| WESLEY LARKING3 | 625 W JACKSON BLVD STE 601 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.26% |
| ADVANCED STRATEGIES, INC.3 Filed as: ADVANCED STRATEGIES INC | 730 LATHROP AVE CHICAGO, IL 60631 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.90% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE LLC | 8770 W BRYN MAWR AVE STE 1290 CHICAGO, IL 60631 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.40% |
| WESLEY LARKING3 | 625 W JACKSON BLVD STE 601 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 18.66% |
| 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% |
| ADVANCED STRATEGIES, INC.3 Filed as: ADVANCED STRATEGIES INCORPORATED | 340 E N WATER STREET UNIT 1900 CHICAGO, IL 60611 | GUARDIAN | $2K | $0 | $2K | 10.00% |
| WESLEY LARKING3 | 625 W JACKSON BLVD STE 601 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.01% |
| WESLEY LARKING3 | 625 W JACKSON BLVD STE 601 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 12.08% |
| WESLEY LARKING3 | 625 W JACKSON BLVD STE 601 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $808 | — | $808 | 9.12% |
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 | 189 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 327 | $2.3M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 351 | $200K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $104K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $97K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $100K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $98K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.