| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLOBAL BENEFITS INC3 | 570 LAKE COOK RD STE 106 DEERFIELD, IL 60015 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $44K | $50K | 2.94% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 1512 ARTAIUS PARKWAY STE. 101 LIBERTYVILLE, IL 60048 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $9K | $27K | 8.65% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 570 LAKE COOK RD #106 DEERFIELD, IL 60015 | EYEMED VISION CARE | $863 | — | $863 | 5.89% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 1512 ARTAIUS PARKWAY LIBERTYVILLE, IL 60048 | EYEMED VISION CARE | $588 | — | $588 | 4.01% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 326 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $308K |
| Vision | EYEMED VISION CARE | 265 | $15K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $308K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $308K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $308K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.