| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON FINANCIAL GROUP, INC. | 8833 GROSS POINT ROAD, SUITE 200 SKOKIE, IL 60077 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $105 | $8K | 0.08% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON FINANCIAL GROUP, INC. | 8833 GROSS POINT ROAD, SUITE 200 SKOKIE, IL 60077 | BLUECROSS BLUESHIELD OF ILLLINOIS | $54K | $0 | $54K | 3.94% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON FINANCIAL GROUP, INC. | 8833 GROSS POINT ROAD, SUITE 200 SKOKIE, IL 60077 | BLUECROSS BLUESHIELD OF ILLLINOIS | $23K | $0 | $23K | 10.84% |
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 | 1,554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,554 | $11.5M |
| Vision | BLUECROSS BLUESHIELD OF ILLLINOIS | 223 | $211K |
| Life insurance | BLUECROSS BLUESHIELD OF ILLLINOIS | 223 | $211K |
| Short-term disability | BLUECROSS BLUESHIELD OF ILLLINOIS | 223 | $211K |
| Long-term disability | BLUECROSS BLUESHIELD OF ILLLINOIS | 223 | $211K |
| Other | BLUECROSS BLUESHIELD OF ILLLINOIS | 223 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,554 | — |
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.
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.