| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS A SCHNEIDER3 | 4133 LAWN AVE WESTERN SPRINGS, IL 60558 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $107K | $113K | 2.94% |
| JOHN T BLANCHARD3 Filed as: JOHN T. BLANCHARD | 1751 LAKE COOK ROAD-SUITE 200 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $107K | $113K | 2.94% |
| FLEXIBLE BENEFIT SERVICES CORP.3 Filed as: FLEXIBLE BENEFIT SERVICES | 8700 W BRYN MAWR AVE- STE 1010S CHICAGO, IL 60631 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $269 | $269 | 0.01% |
| CHRIS A SCHNEIDER3 | 4133 LAWN AVE WESTERN SPRINGS, IL 605581441 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $61K | $63K | 2.61% |
| JOHN T BLANCHARD3 | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $61K | $63K | 2.61% |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,120 | $6.2M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,120 | $6.2M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,120 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,120 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.