| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF ROAD, TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF DELAWARE | $133K | $0 | $133K | 4.63% |
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF ROAD, TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | PREMERA BLUE CROSS | $32K | $0 | $32K | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | 9401 AMBERGLEN BLVD, STE 100 AUSTIN, TX 78729 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $17K | $71K | 17.37% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.80% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $871 | $871 | 0.21% |
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF ROAD, TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.71% |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF DELAWARE | 802 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,264 | $410K |
| Vision | VISION SERVICE PLAN | 270 | $30K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,264 | $410K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,264 | $410K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,264 | $410K |
| Prescription drug | PREMERA BLUE CROSS | 68 | $649K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,264 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,264 | — |
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.