| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENNAN & STUART INC3 | 222 BUCKLIN ST LASALLE, IL 61301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $0 | $43K | 16.24% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 5.41% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.01% |
| BRENNAN & STUART INC3 | 222 BUCKLIN ST LASALLE, IL 61301 | METROPOLITAN LIFE INSURANCE | $41K | $0 | $41K | 17.59% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE | $14K | $3K | $16K | 6.97% |
| BRENNAN & STUART INC3 | 222 BUCKLIN ST PO BOX 1457 LASALLE, IL 61301 | DELTA DENTAL PLAN OF ILLINOIS | $3K | $0 | $3K | 1.98% |
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 | 604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKELEY LIFE | 445 | $3.4M |
| Dental | DELTA DENTAL PLAN OF ILLINOIS | 407 | $155K |
| Life insurance | METROPOLITAN LIFE INSURANCE | 595 | $234K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $263K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 595 | $497K |
| Prescription drug | BERKELEY LIFE | 445 | $3.4M |
| Stop-loss / reinsurancereinsurance | BERKELEY LIFE | 445 | $3.4M |
| Other | METROPOLITAN LIFE INSURANCE | 595 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.