| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W JACKSON BLVD, STE 500 CHICAGO, IL 60661 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $63K | — | $63K | 5.72% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W JACKSON BLVD, STE 500 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN INC | $54K | — | $54K | 5.00% |
| THOMPSON FLANAGAN BENEFITS GROUP Filed as: THOMPSON FLANAGAN BENEFTIS GROUP | 626 W JACKSON BLVD, STE 500 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $14K | — | $14K | 7.03% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W JACKSON BLVD, STE 500 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.49% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W JACKSON BLVD, STE 500 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.97% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W JACKSON BLVD, STE 500 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.37% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W JACKSON BLVD, STE 500 CHICAGO, IL 60661 | PROTEC INSURANCE COMPANY | $986 | — | $986 | 5.42% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 164 | $2.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 202 | $199K |
| Vision | PROTEC INSURANCE COMPANY | 141 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 99 | $45K |
| Short-term disability | STANDARD INSURANCE COMPANY | 50 | $26K |
| Long-term disability | STANDARD INSURANCE COMPANY | 60 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.