| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $31K | $219K | $250K | 3.27% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, LLC | 820 N. ORLEANS #325 CHICAGO, IL 60610 | GUARDIAN LIFE INSURANCE COMPANY | $96K | $0 | $96K | 18.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY | $66K | $15K | $81K | 15.35% |
| MARK S METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY ST NE UNIT 1 SAINT PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY | $41K | $0 | $41K | 7.87% |
| SOUTH CAROLINA TRUCKING ASSOCIATION3 Filed as: SOUTH CAROLINA TRUCKING ASSOC. | PO BOX 50166 COLUMBIA, SC 29250 | GUARDIAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.11% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD PHILLIPS CO | 80 M STREET S E SUITE 350 WASHINGTON DC, WA 20003 | GUARDIAN LIFE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 300 GALLERIA PARKWAY, STE 1100 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68K | $0 | $68K | 35.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | $0 | $25K | 13.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.66% |
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 | 1,494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 704 | $7.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 704 | $7.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 704 | $7.7M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 1,542 | $720K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,542 | $527K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 1,542 | $527K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,542 | — |
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.