| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH T SNYDER3 | 500 W 81ST ST BURR RIDGE, IL 60527 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 9.26% |
| JOSEPH T SNYDER3 Filed as: JOSEPH T SNYDER & ASSOCIATES, LTD | 1021 75TH STREET DARIEN, IL 605614480 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | — | $34K | 17.30% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 E GOLF RD STE 1100 SCHAUMBURG, IL 60173 | GERBER LIFE INSURANCE COMPANY | $23K | — | $23K | 14.00% |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC5 | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | GERBER LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC5 | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | SUN LIFE INSUARNCE | $903 | — | $903 | 1.00% |
| JOSEPH T SNYDER3 Filed as: JOSEPH T. SNYDER & ASSOC | 1021 7TH ST DARIEN, IL 60561 | GEISINGER QUALITY OPTIONS, INC. | $2K | $18 | $2K | 3.61% |
| JOSEPH T SNYDER Filed as: JOSEPH T. SNYDER & ASSOC | 1021 75TH ST DARIEN, IL 60561 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| ASSURANCE AGENCY LTD | ONE CENTURY CENTRE 1750 EAST GOLF SCHAUMBURG, IL 60173 | FOUR EVER LIFE INS CO. | $2K | — | $2K | 10.00% |
| JOSEPH T SNYDER3 Filed as: JOSEPH T. SNYDER & ASSOC | 1021 7TH ST DARIEN, IL 60561 | GEISINGER HEALTH PLAN | $2K | $18 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT STREET WAUSAU, WI 54403 | $456K |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC EIN 36-4197088 NONE | Claims processing Service code 12 | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | $52K |
| NATIONAL COOPERATIVERX 04-3775178 | Other fees Service code 99 | — | $16K |
| JOSEPH T SNYDER & ASSOCIATES, LTD EIN 36-3135532 NONE | Insurance agents and brokers Service code 22 | 1021 75TH STREET DARIEN, IL 60561 | $0 |
| NATIONAL COOPERATIVERX EIN 04-3775178 PHARMACY BENEFIT CONSULT | Other fees Service code 99 | 5510 RESEARCH PARK DR STE 150 FITCHBURG, WI 53711 | $0 |
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 | 3,787 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GEISINGER QUALITY OPTIONS, INC. | 36 | $75K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,219 | $727K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,219 | $727K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,156 | $229K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,989 | $196K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,156 | $229K |
| Stop-loss / reinsurancereinsurance(4 contracts, 4 carriers) | TRU SERVICES | 914 | $1.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,156 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,156 | — |
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.