| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 BENEFITS LLC3 Filed as: 360 BENEFITS, LLC | 20 N CLARK ST-STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $5K | $74K | 14.23% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, STE 2825 CHICAGO, IL 606024109 | EYEMED VISION CARE | $5K | — | $5K | 9.21% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $946 | $61 | $1K | 17.67% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $836 | $61 | $897 | 17.19% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $689 | $61 | $750 | 17.50% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $510 | $61 | $571 | 18.41% |
| 360 BENEFITS LLC3 | 20N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $319 | $61 | $380 | 17.02% |
| 360 BENEFITS LLC3 Filed as: 360 BENEFITS, LLC | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $272 | $61 | $333 | 23.55% |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $517K |
| Vision | EYEMED VISION CARE | 673 | $50K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $517K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $517K |
| Other(7 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.