| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 BENEFITS LLC3 | 20 N CLARK STREET, 28TH FLOOR CHICAGO, IL 60602 | BLUECROSS BLUESHIELD OF ILLINOIS | $22K | — | $22K | 4.55% |
| NORTH STAR BENEFITS, LLC3 | 332 SKOKIE VALLEY ROAD - STE 221 HIGHLAND PARK, IL 60618 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $383 | $383 | 0.08% |
| 360 BENEFITS LLC3 | 20 N CLARK STREET - 28TH FLOOR CHICAGO, IL 60602 | DEARBORN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 24.76% |
| JULIE A PARACHE3 Filed as: JULIE PARACHE | 4819 W ADDISON STREET CHICAGO, IL 60641 | AFLAC | $816 | $198 | $1K | 6.93% |
| DANIEL A MARINEZ3 Filed as: DANIEL MARINEZ | 325 W HURON ST - STE 215 CHICAGO, IL 60654 | AFLAC | $749 | $38 | $787 | 5.38% |
| JONATHAN ROMAN3 | 325 W HURON ST - STE 215 CHICAGO, IL 60654 | AFLAC | $491 | — | $491 | 3.36% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 W HURON ST - STE 215 CHICAGO, IL 60654 | AFLAC | $448 | $38 | $486 | 3.32% |
| NORTH STAR BENEFITS, LLC3 | 332 SKOKIE VALLEY RD - STE 221 HIGHLAND PARK, IL 60035 | AFLAC | $343 | — | $343 | 2.34% |
| LIAM H RYAN3 Filed as: LIAM RYAN | 4124 N SHERIDAN ROAD CHICAGO, IL 60613 | AFLAC | $152 | — | $152 | 1.04% |
| DIANA PEREZ3 | 4350 N SAINT LOUIS AVE CHICAGO, IL 60618 | AFLAC | $94 | — | $94 | 0.64% |
| JOANNA M ROCKWELL3 Filed as: JOANNA NASCA | 350 N LASALLE DRIVE-STE 1410 CHICAGO, IL 60654 | AFLAC | $42 | — | $42 | 0.29% |
| CHRISTINE L BREWSTER3 Filed as: CHRISTINE BREWSTER | 701 CEDAR STREET MCKINNEY, TX 75069 | AFLAC | $31 | — | $31 | 0.21% |
| LEE F FRENCH3 | 513 W ALDINE AVE - APT 1G CHICAGO, IL 60657 | AFLAC | $30 | — | $30 | 0.21% |
| JOSEPH P CALARCO0 Filed as: JOSEPH NASCA | 28081 N. MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $1 | — | $1 | 0.01% |
| DEVOSS INSURANCE AGENCY LLC3 | 798 EAGLE DRIVE AURORA, IL 60506 | AFLAC | $1 | — | $1 | 0.01% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 75 | $477K |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 75 | $477K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 106 | $42K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 106 | $42K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 106 | $42K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 106 | $42K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 143 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.