| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK S METTILLE Filed as: MARK S. METTILLE | 422 WAUPONSEE STREET MORRIS, IL 604502215 | AMERITAS | — | $8K | $8K | 4.18% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD STE 700 ROLLING MEADOWS, IL 60008 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 9.63% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 3.60% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 2.41% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $386 | $386 | 0.57% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD STE 700 ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 4.84% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD STE 700 ROLLING MEADOWS, IL 60008 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 11.07% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 3.60% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 2.37% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $382 | $382 | 0.63% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD STE 700 ROLLING MEADOWS, IL 60008 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $10K | — | $10K | 16.88% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 5.63% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 4.59% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 3.61% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD STE 700 ROLING MEADOWS, IL 60008 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $918 | — | $918 | 14.90% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $306 | $306 | 4.97% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $303 | $303 | 4.92% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $40 | $40 | 0.65% |
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 | 216 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 451 | $199K |
| Vision | AMERITAS | 451 | $199K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 670 | $68K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHILED | 216 | $492K |
| Other(5 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 670 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.