| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD., FLR. 5 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN, INC. | $27K | — | $27K | 3.51% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD., FLR. 5 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD., FLR. 5 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.56% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD., FLR. 5 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.55% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD., FLR. 5 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | — | $13K | $13K | 69.02% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 W. JACKSON BLVD., FLR. 5 CHICAGO, IL 60661 | PROTEC INSURANCE COMPANY | $860 | — | $860 | 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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 81 | $761K |
| Dental | DELTA DENTAL OF ILLINOIS | 204 | $19K |
| Vision | PROTEC INSURANCE COMPANY | 151 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 243 | $50K |
| Short-term disability | STANDARD INSURANCE COMPANY | 55 | $28K |
| Long-term disability | STANDARD INSURANCE COMPANY | 55 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.