| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $19K | $104K | 12.36% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 22.57% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $617 | $6K | 22.88% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $570 | $3K | 12.41% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY 300 DEER PARK, IL 60010 | METLIFE LEGAL PLAN | $2K | $487 | $3K | 13.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIM PROCESSOR | Claims processing; Other services Service code 12 | — | $153K |
| THE PLEXUS GROUPE LLC EIN 36-4116295 BROKER | Other commissions Service code 55 | — | $85K |
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 | 924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $92K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 924 | $842K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 924 | $842K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 924 | $842K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 924 | $842K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 924 | $842K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 924 | $952K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 924 | — |
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.