| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANNAGAN BENEFITS GROUP3 | 626 W JACKSON BLVD, FL 5 CHICAGO, IL 60061 | KAISER FOUNDATION HEALTH PLANS, INC. | $51K | — | $51K | 4.95% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD, FL 5 CHICAGO, IL 60661 | HUMANA INSURANCE COMPANY | $36K | — | $36K | 4.00% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD., FL 5 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $17K | — | $17K | 7.42% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD, FL 5 CHICAGO, IL 60661 | HUMANA HEALTH PLAN, INC. | $7K | — | $7K | 4.00% |
| THOMPSON FLANNAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD., STE 500 CHICAGO, IL 60661 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 11.79% |
| THOMPSON FLANNAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD., FL 500 CHICAGO, IL 60661 | HUMANA-KANAWHA INSURANCE COMPANY | $7K | — | $7K | 13.86% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD., STE 500 CHICAGO, IL 60661 | PROTEC INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 179 | $2.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 233 | $225K |
| Vision | PROTEC INSURANCE COMPANY | 165 | $21K |
| Life insurance | HUMANA-KANAWHA INSURANCE COMPANY | 137 | $52K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 73 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.