| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | BLUECROSS BLUE SHIELD OF ILLINOIS | $32K | $0 | $32K | 4.43% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $3K | $197 | $3K | 18.25% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $0 | $210 | $210 | 1.33% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $2K | $201 | $2K | 16.78% |
| BETTER BUSINESS PLANNING5 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $0 | $210 | $210 | 1.86% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $2K | $155 | $2K | 16.54% |
| BETTER BUSINESS PLANNING5 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $0 | $210 | $210 | 2.08% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | VSP | $664 | $0 | $664 | 8.17% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $388 | $0 | $388 | 14.99% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF ILLINOIS | 114 | $720K |
| Vision | VSP | 54 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 109 | $3K |
| Short-term disability | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 31 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 29 | $10K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 109 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.