Form 5500 · Employee benefit plan · CHICAGO, IL
TWG-TWF SERVICES, LLC
The filing calls this plan TWG-TWF SERVICES, LLC EMPLOYEE BENEFITS PLAN.
TWG-TWF SERVICES, LLC of CHICAGO, IL spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is HUB INTERNATIONAL NORTHEAST. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 2 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 88-4223308 · plan 501 · plan year 2025, filed Aug 3, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 94 people.
Reported premium across the insured contracts is $3,066,238, with $158,267 in disclosed broker commissions — about 5.2% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
HUB INTERNATIONAL NORTHEAST is the broker of record on 2 of the 6 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. BLUE CROSS BLUE SHIELD OF FLORIDA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 94 | Jul 1, 2025 | $1,760,069 | $64,712 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 98 | Jan 1, 2026 | $958,418 | $47,921 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Life, Disability | 130 | Jul 1, 2025 | $223,818 | $31,000 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Life, Disability | 134 | Jan 1, 2026 | $107,802 | $12,963 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 152 | Jul 1, 2025 | $10,691 | $1,127 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 151 | Jan 1, 2026 | $5,440 | $544 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract K5341. For the contract year on this filing, the carrier reported $1,760,069 in premium earned and $1,470,185 in claims incurred. Dividing one by the other gives 84%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract K5341. For the contract year on this filing, the carrier reported $958,418 in premium earned and $777,852 in claims incurred. Dividing one by the other gives 81%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract K5341 reported $289,883 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract K5341 reported $180,566 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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