| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R TAYLOR AGENCY INC Filed as: JAMES R. TAYLOR AGENCY | — | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | — | — | $0 | 0.00% |
| EMPLOYER BENEFIT SERVICES LTD3 Filed as: EMPLOYER BENEFIT GROUP LLC | P.O. BOX 1458 EAU CLAIRE, WI 54702 | HARTFORD INSURANCE | $38K | $1K | $39K | 15.40% |
| NONE | — | VISION SERVICE PLAN | — | — | $0 | 0.00% |
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 | 382 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 1,035 | $4.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 1,035 | $4.2M |
| Vision | VISION SERVICE PLAN | 382 | $45K |
| Life insurance | HARTFORD INSURANCE | 434 | $255K |
| Long-term disability | HARTFORD INSURANCE | 434 | $255K |
| Other | HARTFORD INSURANCE | 434 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,035 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.