| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING, INC | 125 W ORCHARD ST ITASCA, IL 60143 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $80K | $1K | $81K | 4.01% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING INC | 125 W ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $690 | $5K | 17.46% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING INC. | 125 W ORCHARD ST ITASCA, IL 60143 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.22% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING INC | 125 W ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $707 | $196 | $903 | 12.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BBP ADMIN EIN 36-2949580 3D PARTY SERVICE PROVIDER | Claims processing Service code 12 | 125 WEST ORCHARD ST. ITASCA, IL 60143 | $7K |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 360 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 360 | $2.0M |
| Vision | VISION SERVICE PLAN | 92 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $35K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.