| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD ST SUITE 800 COLUMBUS, OH 432155194 | METROPLOITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.37% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD STREET ITASCA, IL 601431764 | RELIANCE STANDARD LIFE INSURANCE | $5K | — | $5K | 7.05% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING INC | 125 W. ORCHARD ST ITASCA, IL 60143 | RELIANCE STANDARD LIFE INSURANCE | $3K | — | $3K | 6.28% |
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | VISION SERVICE PLAN | $772 | — | $772 | 7.27% |
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 | 340 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 340 | $1.4M |
| Dental | METROPLOITAN LIFE INSURANCE COMPANY | 555 | $137K |
| Vision | VISION SERVICE PLAN | 0 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 0 | $46K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 195 | $66K |
| Other | RELIANCE STANDARD LIFE INSURANCE | 0 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.