| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING INC. | 125 WEST ORCHARD STREET ITASCA, IL 60143 | BLUECROSS BLUESHIELD OF ILLINOIS | $45K | $873 | $46K | 3.96% |
| BETTER BUSINESS PLANNING3 | 125 W ORCHARD ST ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $10K | 12.09% |
| THE HUNKEN AGENCY, INC.3 Filed as: THE HUNKEN AGENCY INC. | 2550 COMPASS ROAD SUITE H GLENVIEW, IL 60026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.01% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD STREET ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 6.27% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD STREET ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.80% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD STREET ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 14.19% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 263 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $80K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $80K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $42K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 56 | $19K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 53 | $18K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.