| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NGAGE, LLC3 Filed as: NGAGE LLC | 7325 JANES AVE WOODRIDGE, IL 60517 | CONTINENTAL AMERICAN INSURANCE CO | $71K | — | $71K | 54.84% |
| VITA ENROLLMENT SOLUTIONS LLC3 Filed as: VITA ENROLLMENT SOLUTIONS/NGAGE LLC | 7325 JANES AVE WOODRIDGE, IL 60517 | TRUSTMARK VOLUNTARY BENEFIT SOLUTIO | $19K | — | $19K | 19.03% |
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVE WOODRIDGE, IL 60517 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $245 | $2K | 47.29% |
| GERARD GNADE3 | 21812 MORNING DOVE LN FRANKFORT, IL 60423 | METROPOLITAN LIFE INSURANCE COMPANY | — | $99 | $99 | 2.13% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK VOLUNTARY BENEFIT SOLUTIO | 128 | $107K |
| Other | CONTINENTAL AMERICAN INSURANCE CO | 232 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.