| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THINKTANK INSURANCE PARTNERS, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | — | $49K | 13.05% |
| THINKTANK INSURANCE PARTNERS, INC.3 Filed as: THINKTANK INSURANCE PARTNERS | 18521 SPRING CREEK DRIVE TINLEY PARK, IL 60477 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.25% |
| THINK TANK INSURANCE PARTNERS INC3 | 18521 SPRING CREEK DRIVE TINLEY PARK, IL 60477 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $790 | — | $790 | 5.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $237 | $237 | 1.50% |
| THINK TANK INSURANCE PARTNERS INC3 | 18521 SPRING CREEK DRIVE TINLEY PARK, IL 60477 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $317 | — | $317 | 5.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $95 | $95 | 1.50% |
| THINK TANK INSURANCE PARTNERS INC3 | 18521 SPRING CREEK DRIVE TINLEY PARK, IL 60477 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $306 | — | $306 | 4.99% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $92 | $92 | 1.50% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $51K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $51K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $16K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $379K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.