| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING ASSOCIATES5 | 712 IAA DRIVE P.O. 7 BLOOMINGTON, IL 61701 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $30K | $30K | 0.06% |
| BENEFIT PLANNING ASSOCIATES5 | 712 IAA DRIVE P.O. BOX 7 BLOOMINGTON, IL 61701 | DELTA DENTAL OF ILLINOIS | $141K | — | $141K | 7.45% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 1.19% |
| BENEFIT PLANNING ASSOCIATES5 | 712 IAA DRIVE P.O. BOX 7 BLOOMINGTON, IL 61701 | HEALTH ALLIANCE MEDICAL PLANS | $48K | — | $48K | 3.07% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 3.12% |
| BENEFIT PLANNING ASSOCIATES5 | 712 IAA DRIVE P.O. BOX 7 BLOOMINGTON, IL 61701 | VISION SERVICE PLAN | $26K | — | $26K | 5.00% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 3.66% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 3.69% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E 1ST ST STE #400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $9K | $37K | 16.31% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $7K | $19K | 8.42% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 E 1ST ST STE #400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $6K | $24K | 17.45% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $8K | $15K | 11.27% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $873 | $873 | 7.30% |
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 | 10,611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 274 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 10,885 | $53.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 3,692 | $1.9M |
| Vision | VISION SERVICE PLAN | 3,031 | $521K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,254 | $1.7M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,787 | $445K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,732 | $873K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 861 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,885 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.