| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC JACOBSON3 Filed as: MARC JACOBSON & ASSOCIATES LLC | 425 HUEHL ROAD SUITE 16B NORTHBROOK, IL 60062 | AETNA HEALTH, INC. | $52K | — | $52K | 5.00% |
| MARC JACOBSON3 Filed as: MARC JACOBSON & ASSOCIATES LLC | 425 HUEHL ROAD SUITE 16B NORTHBROOK, IL 60062 | AETNA LIFE INSURANCE CO. | $27K | — | $27K | 5.22% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.91% |
| MARC JACOBSON3 Filed as: MARC JACOBSON & ASSOCIATES LLC | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 12.67% |
| MARC JACOBSON3 Filed as: MARC JACOBSON & ASSOCIATES LLC | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 21.77% |
| MARC JACOBSON3 Filed as: MARC JACOBSON & ASSOCIATES LLC | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 17.35% |
| MARC JACOBSON3 Filed as: MARC JACOBSON & ASSOCIATES LLC | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 22.74% |
| MARC JACOBSON3 Filed as: MARC JACOBSON & ASSOCIATES LLC | 425 HUEHL ROAD BUILDING 16B NORTHBROOK, IL 60062 | METLIFE LEGAL PLANS | $1K | — | $1K | 9.89% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 272 | $1.6M |
| Dental | AETNA LIFE INSURANCE CO. | 272 | $525K |
| Vision | AETNA LIFE INSURANCE CO. | 272 | $525K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $56K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8 | $10K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $56K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.