| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $2K | — | $2K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN COMPANIES, INC. | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | VISION SERVICE PLAN | $798 | — | $798 | 1.22% |
| DEPLOYANT ADVISORS3 | PO BOX 64425 CHICAGO, IL 60664 | VISION SERVICE PLAN | $11 | — | $11 | 0.02% |
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS INC | 200 W ADAMS ST #500 CHICAGO, IL 60606 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.13% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE, STE 100 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $517 | — | $517 | 1.89% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE, STE 100 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $33 | — | $33 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERSIDE HEALTH EIN 45-3449075 NONE | Other services; Direct payment from the plan Service code 49 | — | $316K |
| ALLIED BENEFIT SYSTEMS INC EIN 36-3086057 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $285K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Direct payment from the plan; Other services Service code 49 | — | $34K |
| S. FECAROTTA EIN 32-0047529 EMPLOYEE | Employee (plan) Service code 30 | — | $29K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| SOLXSYS ADMIN. SOLUTIONS, LLC EIN 83-2454243 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $19K |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| CHEIRON INC EIN 13-4215617 NONE | Actuarial Service code 11 | — | $14K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $9K |
| ANTHEM INSURANCE COMPANIES, INC EIN 35-0781558 NONE | Float revenue; Other insurance fees and expenses Service code 62 | — | $0 |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 327 | $65K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 373 | $42K |
| Prescription drug(4 contracts) | HUMANA INSURANCE COMPANY | 45 | $311K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 318 | $872K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 373 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.