| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GNASTER & GNASTER INC3 | 5600 BRENTWOOD DRIVE HOFFMAN ESTATES, IL 60192 | RELIASTAR LIFE INSURANCE COMPANY | $227K | — | $227K | 3.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 503310502 | RELIASTAR LIFE INSURANCE COMPANY | $147K | — | $147K | 2.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $49K | — | $49K | 0.69% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $29K | $29K | 0.41% |
| GNASTER & GNASTER INC3 Filed as: GNASTER, THOMAS K | 444 N NORTHWEST HWY STE 250 PARK RIDGE, IL 600683276 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 0.21% |
| 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 | — | $195 | $195 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $17K | $17K | 1.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRION GROUP, MARSH & MCCLENNAN AGC EIN 26-3237576 N/A | Insurance brokerage commissions and fees; Insurance services Service code 23 | — | $741K |
| PREFFERED NETWORK ACCESS EIN 36-4018433 N/A | Other fees; Claims processing Service code 12 | — | $629K |
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 | 5,668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,818 | 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 | 257 | $2.5M |
| Vision(5 contracts) | EYEMED VISION CARE | 5,796 | $470K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,671 | $7.1M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,206 | $943K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 5,671 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,796 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.