| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $112K | $6K | $118K | 9.98% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $6K | $6K | 1.69% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD TOWER THREE, SUITE 700 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $39K | — | $39K | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF RD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC. | 1701 GOLF ROAD BUILDING 3, SUITE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $458 | $9K | 19.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $652 | $3K | 6.00% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES | 1701 GOLF RD BUILDING 3, STE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $267 | $6K | 22.63% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $425 | $2K | 7.03% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD BUILDING 3, STE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $121 | $3K | 22.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $682 | $185 | $867 | 6.87% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD TOWER THREE, SUITE 700 ROLLING MEADOWS, IL 60008 | METLIFE LEGAL PLANS | $966 | $65 | $1K | 12.72% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST. STE 900 KANSAS CITY, MO 64112 | ACE AMERICAN INSURANCE COMPANY | $774 | $80 | $854 | 22.07% |
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 | 1,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,027 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 1,143 | $353K |
| Vision | VISION SERVICE PLAN | 608 | $64K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,023 | $257K |
| Long-term disability | STANDARD INSURANCE COMPANY | 549 | $184K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,120 | $1.2M |
| Other(6 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,023 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,143 | — |
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.