| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | $36K | $127K | 11.87% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $12K | 22.55% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 24.55% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELDL PARKWAY SUITE 300 DEER PARK, IL 60010 | METROPOLITA LIFE INSURANCE COMPANY | $3K | $901 | $4K | 13.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $320K |
| THE PLEXUS GROUPE LLC EIN 36-4116295 BROKER | Other commissions Service code 55 | 5310 HARVEST HILL ROAD SUITE 100 DALLAS, TX 75230 | $165K |
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 | 799 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $121K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,345 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,345 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,345 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,345 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,345 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,345 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,345 | — |
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.