| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $51K | $801 | $52K | 4.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 11.64% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $8K | 18.05% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $959 | $5K | 18.32% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $665 | $5K | 17.53% |
| RSC INSURANCE BROKERAGE INC3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | VSP | $2K | $0 | $2K | 10.01% |
| EMPLOYEE NAVIGATOR, LLC0 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 3000 BETHESDA, MD 20814 | VSP | $22 | $0 | $22 | 0.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $356 | $3K | 17.29% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 216 | $1.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $103K |
| Vision | VSP | 130 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $26K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.