| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R TAYLOR AGENCY INC3 Filed as: JAMES R. TAYLOR AGENCY, INC | 4849 N MILWAUKEE AVE CHICAGO, IL 60630 | BLUECROSS BLUESHIELD OF ILLINOIS | $41K | — | $41K | 3.93% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 5.73% |
| JAMES R TAYLOR AGENCY INC3 | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | METROPOLITAN LIFE INSURANCE COMPANY | $192 | — | $192 | 0.13% |
| JAMES R TAYLOR AGENCY INC3 Filed as: JAMES R TAYLOR AGENCY, INC. | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | VISION SERVICE PLAN | $845 | — | $845 | 6.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TASC CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 2302 INTERNATIONAL LN MADISON, WI 53704 | $17K |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 250 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $145K |
| Vision | VISION SERVICE PLAN | 119 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $145K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $145K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $145K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.