| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN PARRISH3 Filed as: STEVEN L. WILSON | 800 PENNY LANE LEXINGTON, KY 40509 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $33K | — | $33K | 2.76% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING, INC. | 125 W. ORCHARD ST ITASCA, IL 601431764 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $14K | $972 | $15K | 1.21% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING, INC. | 125 W. ORCHARD ST ITASCA, IL 601431764 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.47% |
| STEVEN PARRISH3 Filed as: STEVEN L WILSON | 800 PENNY LANE LEXINGTON, KY 40509 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 23.09% |
| BETTER BUSINESS PLANNING3 | 125 W. ORCHARD ST ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $900 | $823 | $2K | 14.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH COMPANY | 38 PLUM STREET SUITE 100 CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 0.46% |
| THE HUNKEN AGENCY, INC.3 Filed as: THE HUNKEN AGENCY, INC | 2550 COMPASS ROAD SUITE H GLENVIEW, IL 60026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.07% |
| BENEFIT INSURANCE MKTG.3 | 115 RED MILE ROAD LEXINGTON, KY 405042649 | VISION SERVICE PLAN | $731 | — | $731 | 7.57% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING, INC. | 125 W. ORCHARD ST ITASCA, IL 601431764 | VISION SERVICE PLAN | $235 | — | $235 | 2.43% |
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 | 117 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 254 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $12K |
| Vision | VISION SERVICE PLAN | 80 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 131 | $84K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 131 | $84K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 131 | $84K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 131 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.