| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 BENEFITS LLC3 Filed as: 360 BENEFITS, LLC | 20 N CLARK STREET, STE 2825 CHICAGO, IL 60602 | BLUECROSS BLUESHIELD OF ILLINOIS | $46K | — | $46K | 3.76% |
| 360 BENEFITS LLC3 | 20 N. CLARK STREET, STE. 2825 CHICAGO, IL 60602 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, STE 2825 CHICAGO, IL 60602 | EYEMED VISION CARE | $456 | — | $456 | 9.20% |
| 360 BENEFITS LLC3 | 20 N. CLARK STREET, STE. 2825 CHICAGO, IL 60602 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 24.64% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - SUITE 2825 CHICAGO, IL 60602 | FOUR EVER LIFE INSURANCE COMPANY | $183 | — | $183 | 15.00% |
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 | 97 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 122 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 122 | $1.2M |
| Vision | EYEMED VISION CARE | 70 | $5K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 97 | $49K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 97 | $49K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 122 | $1.2M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 97 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.