| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MANNER INSURANCE AGENCY INC.3 | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | BLUE CROSS BLUE SHIELD | — | $6K | $6K | 0.05% |
| JOHN MANNER INSURANCE AGENCY INC.3 | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | HMO ILLINOIS | — | $4K | $4K | 0.05% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $3K | $47K | 4.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC. | 263 SHUMAN BLVD, STE 110 NAPERVILLE, IL 605631255 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $4K | $26K | 2.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NORTH ILLINOIS | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $19K | 1.76% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $801 | $30K | 8.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NORTH ILLINOIS | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $2K | $23K | 6.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC. | 263 SHUMAN BLVD, STE 110 NAPERVILLE, IL 60563 | AFLAC | $19K | $0 | $19K | 7.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC. | 220 N LARKIN AVE JOLIET, IL 60435 | AFLAC | $11K | — | $11K | 4.62% |
| TIFFANY ANNE KING3 | 1010 LAKE STRET, STE 430 OAK PART, IL 60301 | AFLAC | $2K | $0 | $2K | 0.65% |
| JEFFREY LYNN LAMBERT3 | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $2K | $0 | $2K | 0.64% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $1K | $0 | $1K | 0.60% |
| JOHN F SCULLY3 | 3500 BANKVIEW DR JOLIET, IL 60431 | AFLAC | $1K | $0 | $1K | 0.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NORTH ILLINOIS | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
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 | 1,940 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,849 | $11.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 2,888 | $12.9M |
| Vision | VISION SERVICE PLAN | 1,074 | $243K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,542 | $335K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,542 | $583K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,888 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.