| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GNASTER & GNASTER INC3 | 5600 BRENTWOOD DRIVE HOFFMAN ESTATES, IL 60192 | RELIASTAR LIFE INSURANCE COMPANY | $267K | — | $267K | 4.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | 12421 MEREDITH DR STE MHB URBANDALE, IA 50398 | RELIASTAR LIFE INSURANCE COMPANY | $261K | — | $261K | 4.24% |
| GNASTER & GNASTER INC3 Filed as: GNASTER, THOMAS K | 444 N NORTHWEST HWY STE 250 PARK RIDGE, IL 60068 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 0.24% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 NORTH WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $748 | $748 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $16K | $16K | 1.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRION GROUP, MARSH & MCCLENNAN AGC EIN 26-3237576 N/A | Insurance services; Insurance brokerage commissions and fees Service code 23 | — | $790K |
| PREFFERED NETWORK ACCESS EIN 36-4018433 N/A | Other fees; Claims processing Service code 12 | — | $639K |
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 | 6,521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 161 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 289 | $2.5M |
| Vision(5 contracts) | EYEMED VISION CARE | 6,331 | $481K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,936 | $6.2M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,199 | $965K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 6,936 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,936 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.