| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE CO | $27K | — | $27K | 2.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N. WACKER DR., STE 1500 CHICAGO, IL 60606 | UNITEDHEALTHCARE INSURANCE CO | $14K | — | $14K | 1.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF COLORADO INC | 2170 S. PARKER RD., STE 251 DENVER, CO 80231 | UNITEDHEALTHCARE INSURANCE CO | -$21 | — | -$21 | -0.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE CO | $7K | $2K | $9K | 7.79% |
| GIS BENEFITS INC3 | 422 WAUPNOSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE CO | $5K | $2K | $7K | 6.25% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMIN | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE CO | — | $5K | $5K | 4.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE CO | $4K | $519 | $5K | 4.27% |
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 | 612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE CO | 256 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE CO | 706 | $114K |
| Vision | METROPOLITAN LIFE INSURANCE CO | 706 | $114K |
| Life insurance | METROPOLITAN LIFE INSURANCE CO | 706 | $114K |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO | 706 | $114K |
| Long-term disability | METROPOLITAN LIFE INSURANCE CO | 706 | $114K |
| Other | METROPOLITAN LIFE INSURANCE CO | 706 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.