| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 | 1701 WEST GOLF, STE 700, TOWER 3 ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $78K | $2K | $79K | 2.56% |
| ASSOCIATED AGENCIES, INC3 | 1701 WEST GOLF, STE 700, TOWER 3 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 13.69% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $12K | 5.69% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.56% |
| ASSOCIATED AGENCIES, INC3 | 1701 WEST GOLF, STE 700, TOWER 3 ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 60.43% |
| ASSOCIATED AGENCIES, INC3 | 1701 WEST GOLF, STE 700, TOWER 3 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.66% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $181 | $3K | 16.89% |
| ASSOCIATED AGENCIES, INC3 | 1701 WEST GOLF, STE 700, TOWER 3 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.79% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $799 | $108 | $907 | 5.31% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $799 | $799 | 4.68% |
| ASSOCIATED AGENCIES, INC3 | 1701 WEST GOLF, STE 700, TOWER 3 ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $292 | $0 | $292 | 3.00% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $455 | $7K | — |
| ASSOCIATED AGENCIES, INC3 | 1701 WEST GOLF, STE 700, TOWER 3 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $317 | $2K | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | — |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $452 | $6K | — |
| ASSOCIATED AGENCIES, INC3 | 1701 WEST GOLF, STE 700, TOWER 3 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $329 | $2K | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | — |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 426 | $3.1M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $44K |
| Vision | VISION SERVICE PLAN | 171 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 791 | $208K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 791 | $208K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 791 | $208K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 791 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.