| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD STREET ITASCA, IL 60143 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $92K | $0 | $92K | 4.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE ,INC | 160 FEDERAL ST BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 6.86% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING-BOR | 125 W ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.89% |
| RSC INSURANCE BROKERAGE INC3 | 125 W ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.78% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | EYEMED | $1K | $0 | $1K | 5.10% |
| BETTER BUSINESS PLANNING3 | 125 W ORCHARD ITASCA, IL 60143 | EYEMED | $1K | $0 | $1K | 4.68% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE ,INC | 125 W.ORCHARD ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 25.06% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.15% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 511 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $22K |
| Vision | EYEMED | 409 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $186K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $186K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $186K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.