| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVE TERRE HAUTE, IN 47807 | BLUECROSS BLUESHIELD OF ILLINOIS | $41K | $2K | $42K | 2.37% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING INC | 125 W. ORCHARD ST ITASCA, IL 60143 | BLUECROSS BLUESHIELD OF ILLINOIS | $3K | — | $3K | 0.16% |
| BETTER BUSINESS PLANNING3 | 125 W ORCHARD ST ITASCA, IL 601431764 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 10.90% |
| USI INSURANCE SERVICES LLC3 | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.89% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING INC | 125 W. ORCHARD ST ITASCA, IL 60143 | DEARBORN LIFE INSURANCE COMPANY | $9K | $3K | $13K | 18.69% |
| USI INSURANCE SERVICES LLC3 | 222 S RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | DEARBORN LIFE INSURANCE COMPANY | $853 | — | $853 | 1.26% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 255 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $234K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $234K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $302K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $234K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $234K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 255 | $1.8M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.