| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST BENEFITS CORPORATION3 | 1143 W. RUNDELL PLACE, UNIT 202 CHICAGO, IL 60607 | BLUECROSS BLUESHIELD OF ILLINOIS | $107K | $3K | $109K | 2.24% |
| FIRST BENEFIT CORPORATION3 | 1143 W RUNDELL PLACE, UNIT 202 CHICAGO, IL 60607 | BLUECROSS BLUESHIELD OF ILLINOIS | $30K | $975 | $31K | 1.65% |
| FIRST BENEFITS CORPORATION3 | 1143 WEST RUNDELL PLACE UNIT 202 CHICAGO, IL 60607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $0 | $49K | 10.49% |
| FIRST BENEFITS CORPORATION3 | 1143 WEST RUNDELL PLACE, UNIT 202 CHICAGO, IL 60607 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | $0 | $3K | 3.94% |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 215 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 5 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 581 | $6.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $472K |
| Short-term disability | FEDERAL INSURANCE COMPANY | 431 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $472K |
| Prescription drug(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 581 | $6.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 509 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.