| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 3.18% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLD ROAD TOWER THREE, SUITE 700 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $31K | $0 | $31K | 10.12% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 3.37% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC. | 1701 GOLD ROAD BUILDING 3, SUITE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 18.64% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.53% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLD ROAD TOWER THREE, SUITE 700 ROLLING MEADOWS, IL 60008 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 10.00% |
| AON CONSULTING INC3 Filed as: AON SPECIAL RISK | ONE LIBERTY PLAZA 165 BROADWAY , SUITE 3201 NEW YORK, NY 10006 | CHUBB INSURANCE | $810 | $0 | $810 | 15.00% |
| VIATOR INTERNATIONAL LLC3 | UNKNOWN LONG GROVE, IL 60047 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $116 | $0 | $116 | 10.03% |
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 | 915 | 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) | 915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $1K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 663 | $335K |
| Vision | VISION SERVICE PLAN | 604 | $59K |
| Life insurance | STANDARD INSURANCE COMPANY | 915 | $307K |
| Long-term disability | STANDARD INSURANCE COMPANY | 915 | $307K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 915 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
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.