| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VINCENT PASSANANTI3 | 10 DORRANCE ST, STE 524 PROVIDENCE, RI 02903 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | — | $34K | 4.23% |
| GBS INS AND FINANCIAL SERVICES INC3 | 5080 N 40TH ST, STE 235 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 11219 FINANCIAL CENTRE PARKWAY SUITES 311 LITTLE ROCK, AR 72211 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 1.40% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $34K | — | $34K | 5.00% |
| GAIL STEINGOLD3 | 1648 N. BURLING, UNIT C CHICAGO, IL 60614 | JOHN HANCOCK LIFE INSURANCE COMPANY USA | $16K | — | $16K | 6.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 39340 TREASURY CENTER CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $6K | $35K | 17.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 11219 FINANCIAL CENTRE PARKWAY SUITE 311 LITTLE ROCK, AR 722113800 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $682K |
| GRANT THORNTON LLP EIN 36-6055558 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
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 | 1,193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 818 | $689K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 573 | $119K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 901 | $997K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,105 | $672K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION, A MUTUAL LEGAL RESERVE COMPANY | 2,091 | $752K |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY USA | 901 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,091 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.