| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON, 5TH FLOOR CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $37K | $0 | $37K | 2.10% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | UNKNOWN GLENDALE HEIGHTS, IL 60139 | BLUECROSS BLUESHIELD OF ILLINOIS | $30K | $0 | $30K | 1.72% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON, 5TH FLOOR CHICAGO, IL 60661 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.52% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 4.63% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON, 5TH FLOOR CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.84% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 279 | $1.7M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $67K |
| Vision | VISION SERVICE PLAN | 168 | $0 |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 159 | $105K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 159 | $105K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 159 | $105K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 279 | $1.7M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 159 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.