| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FL 4 BOSTON, MA 02110 | BLUECROSS BLUE SHIELD OF ILLINOIS | $93K | $0 | $93K | 3.85% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING, INC. | 125 WEST ORCHARD ST ITASCA, IL 60143 | BLUECROSS BLUE SHIELD OF ILLINOIS | $0 | $938 | $938 | 0.04% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN | $5K | $4K | $9K | 5.05% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN CO | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | GUARDIAN | $7K | $0 | $7K | 3.80% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET STE 450 IRVINE, CA 92614 | GUARDIAN | $6K | $0 | $6K | 3.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FL 4 BOSTON, MA 02110 | DEARBORN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.97% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE ,INC | 125 WEST ORCHARD ST ITASCA, IL 60143 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.94% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $43 | $0 | $43 | 0.16% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE DBA BETTER | 333 W WACKER DR SUITE 1200 CHICAGO, IL 60606 | METLIFE LEGAL PLANS | $503 | $0 | $503 | 7.71% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF ILLINOIS | 286 | $2.4M |
| Dental | GUARDIAN | 161 | $179K |
| Vision | VISION SERVICE PLAN | 158 | $26K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 148 | $61K |
| Short-term disability | GUARDIAN | 161 | $179K |
| Long-term disability | GUARDIAN | 161 | $179K |
| Prescription drug | BLUECROSS BLUE SHIELD OF ILLINOIS | 286 | $2.4M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 148 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.