| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEAR INSIGHT BENEFITS CONSULTING3 | PO BOX 97 WAYNE, IL 60184 | BLUECROSS BLUESHIELD OF ILLINOIS | $45K | — | $45K | 3.99% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $4K | — | $4K | 0.32% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE OCMPANY | $6K | — | $6K | 15.00% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFIT CONSULTING | PO BOX 97 WAYNE, IL 60184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 100.00% |
| CLEAR INSIGHT BENEFITS CONSULTING3 | 451 DUNHAM ROAD 600 ST CHARLES, IL 60174 | EYEMED VISION CARE | $1K | — | $1K | 10.08% |
| CLEAR INSIGHT BENEFITS CONSULTING3 Filed as: CLEAR INSIGHT BENEFITS CNSLTNG | 451 DUNHAM RD SUITE 600 ST CHARLES, IL 60174 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 100.00% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 155 | $1.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $7K |
| Vision | EYEMED VISION CARE | 134 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $21K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $28K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 155 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE OCMPANY | 125 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.