| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK J. MACHAC | 1000 MUIRFIELD DRIVE HANOVER PARK, IL 60133 | BLUECROSS BLUESHEILD OF ILLINOIS | $60K | — | $60K | 3.82% |
| RESOURCE BROKERAGE LLC3 | — | BLUECROSS BLUESHEILD OF ILLINOIS | $9K | — | $9K | 0.58% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK J. MACHAC | 1000 MUIRFIELD DRIVE HANOVER PARK, IL 60133 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 6.82% |
| FRANK SWINGLE & ASSOCIATES, INC3 Filed as: FRANK J. MACHAC | 1000 MUIRFIELD DRIVE HANOVER PARK, IL 60133 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 14.98% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHEILD OF ILLINOIS | 258 | $1.6M |
| Dental | UNION SECURITY INSURANCE COMPANY | 137 | $177K |
| Vision | UNION SECURITY INSURANCE COMPANY | 137 | $177K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 137 | $194K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 137 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.