| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MANNER INSURANCE AGENCY INC.3 | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | HMO ILLINOIS | — | — | $0 | 0.00% |
| JOHN MANNER INSURANCE AGENCY INC.3 | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | BLUE CROSS BLUE SHIELD | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NORTH ILLINOIS | 263 SHUMAN BLVD SUITE 110 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $15K | $44K | 3.58% |
| 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 | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | -$37K | $53 | -$37K | -2.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $5K | $60K | 16.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NORTH ILLINOIS | 263 SHUMAN BLVD STE 110 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | — | $428 | $428 | 0.11% |
| 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% |
| SEE ATTACHED Filed as: SEE THE ATTACHED | — | AFLAC | — | — | $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 | 2,033 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,267 | $7.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 3,015 | $8.9M |
| Vision | VISION SERVICE PLAN | 1,146 | $255K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,679 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,015 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.