| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 333 WEST WACKER DRIVE #1950 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $112K | $0 | $112K | 3.52% |
| BETTER BUSINESS PLANNING3 | PO BOX 818078 CLEVELAND, OH 44181 | BLUE CROSS BLUE SHIELD OF ILLINOIS | -$8K | $1K | -$7K | -0.21% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE ,INC | 125 W ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 9.17% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.21% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE ,INC | 160 FEDERAL STREET BOSTON, MA 02110 | DEARBORN LIFE INSURANCE COMPANY | $3K | $797 | $3K | 13.06% |
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 | 428 | 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) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 428 | $3.2M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 428 | $3.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 138 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $195K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $195K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $195K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.