| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLOBAL BENEFITS INC3 | 1512 ARTAIUS PKWY STE 101 LIBERTYVILLE, IL 600485231 | BLUECROSS BLUESHIELD OF ILLINOIS | $43K | — | $43K | 3.95% |
| AFFILIATED BENEFIT CONSULTANTS3 Filed as: AFFILIATED BENEFIT CONSULTANTS INC | 1111 W 22ND ST STE 620 OAK BROOK, IL 605231977 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $855 | $855 | 0.08% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 1512 ARTAIUS PKWY STE. 101 LIBERTYVILLE, IL 60048 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $10K | 8.53% |
| GLOBAL BENEFITS INC3 | 570 LAKE COOK RD STE. 106 STE 101 DEERFIELD, IL 600154910 | VISION SERVICE PLAN | $829 | — | $829 | 6.99% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 170 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $113K |
| Vision | VISION SERVICE PLAN | 96 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $113K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $113K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.