| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 1.20% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.31% |
| MICHAEL SULLIVAN3 Filed as: MICHAEL E. HODGES | 1901 BUTTERFIELD ROAD, SUITE 300 DOWNERS GROVE, IL 60515 | NORTHWESTERN MUTUAL | $20K | $5K | $25K | 4.77% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $12K | $3K | $15K | 2.97% |
| SETH JASON KALKSTEIN3 | 10070 DANIELS INTERSTATE COURT SUITE 230 FORT MYERS, FL 33913 | NORTHWESTERN MUTUAL | $12K | $3K | $15K | 2.86% |
| RJK FNCL LLC3 Filed as: RJK FINANCIAL LLC | 1901 BUTTERFIELD ROAD, SUITE 300 DOWNERS GROVE, IL 60515 | NORTHWESTERN MUTUAL | $4K | $523 | $5K | 0.95% |
| STRIANO FNCL GRP LLC3 Filed as: STRIANO FINANCIAL GROUP LLC | 1515 SOUTH FEDERAL HIGHWAY SUITE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $3K | $730 | $4K | 0.72% |
| PIZZUTI GROUP LLC3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $3K | $389 | $4K | 0.70% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $29K | $0 | $29K | 26.67% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | UNUM INSURANCE COMPANY | $26K | $14 | $26K | 23.33% |
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 | 1,941 | 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) | 1,941 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,205 | $758K |
| Vision | VISION SERVICE PLAN | 992 | $182K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,941 | $875K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,941 | $875K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,941 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,941 | $985K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,941 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.