| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITI FINANCIAL SERVICES INC3 | 445 SHERIDAN ROAD HIGHWOOD, IL 60040 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 3.35% |
| VITI FINANCIAL SERVICES INC3 | 445 SHERIDAN ROAD HIGHWOOD, IL 60040 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 16.42% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $535 | $107 | $642 | 5.85% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $751 | $64 | $815 | 81.50% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | -$137 | — | -$137 | -13.70% |
| VITI FINANCIAL SERVICES INC3 | 445 SHERIDAN ROAD HIGHWOOD, IL 60040 | METROPOLITAN LIFE INSURANCE COMPANY | -$3K | — | -$3K | -316.90% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $473 | $49 | $522 | 63.89% |
| VITI FINANCIAL SERVICES INC3 | 445 SHERIDAN ROAD HIGHWOOD, IL 60040 | METROPOLITAN LIFE INSURANCE COMPANY | -$60 | — | -$60 | -7.34% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $909 | $50 | $959 | 146.86% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | -$63 | — | -$63 | -9.65% |
| VITI FINANCIAL SERVICES INC3 | 445 SHERIDAN ROAD HIGHWOOD, IL 60040 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | — | -$2K | -241.96% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $379K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 29 | $11K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 29 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 29 | $11K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 29 | $11K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 29 | $11K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 46 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.