| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 5.71% |
| EUCLID MANAGERS3 | 234 SPRING LAKE DR ITASCA, IL 60143 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 1.41% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY INC | 234 SPRING LAKE DR ITASCA, IL 601431764 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 125 W. ORCHARD ST ITASCA, IL 60143 | GUARDIANS | $4K | $0 | $4K | 7.61% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA, 16 SUITE 300 BLUE BELL, PA 19422 | GUARDIANS | $2K | $0 | $2K | 4.62% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $295 | $2K | 6.39% |
| BETTER BUSINESS PLANNING3 Filed as: BETTER BUSINESS PLANNING INC | 125 W ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.33% |
| RSC INSURANCE BROKERAGE INC3 | 125 W ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $201 | $0 | $201 | 0.75% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | VISION SERVICE PLAN | $413 | $0 | $413 | 3.83% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 125 W ORCHARD ST ITASCA, IL 601431764 | VISION SERVICE PLAN | $378 | $0 | $378 | 3.51% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $480K |
| Dental | GUARDIANS | 84 | $51K |
| Vision | VISION SERVICE PLAN | 73 | $11K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.