| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVE WOODRIDGE, IL 60517 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $253 | $16K | 18.26% |
| GNADE INSURANCE GROUP INC3 | 219 N WHITE ST FRANKFORT, IL 60423 | METROPOLITAN LIFE INSURANCE COMPANY | $846 | — | $846 | 0.95% |
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVE WOODRIDGE, IL 60517 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $103 | $9K | 14.96% |
| GNADE INSURANCE GROUP INC3 | 219 N WHITE ST FRANKFORT, IL 60423 | METROPOLITAN LIFE INSURANCE COMPANY | $494 | — | $494 | 0.78% |
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVE WOODRIDGE, IL 60517 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $377 | $16K | 34.54% |
| GNADE INSURANCE GROUP INC3 | 219 N WHITE ST FRANKFORT, IL 60423 | METROPOLITAN LIFE INSURANCE COMPANY | $815 | — | $815 | 1.78% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $63K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 656 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.