| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF ROAD TOWER 3 SUITE 700 ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $74K | $1K | $75K | 3.63% |
| EBCG LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $24K | — | $24K | 1.17% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $5K | $23K | 16.84% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.15% |
| ASSOCATED AGENCIES INC3 | 1701 GOLF RD BLDG 3 SUITE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | — | $597 | $597 | 0.44% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.01% |
| ASSOCIATED AGENICES, INC.3 | 1701 GOLF RD TOWER 3 7TH FLOOR ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $804 | — | $804 | 4.95% |
| EBCG LLC3 | 2205 LAKESIDE DR BANNOCKBURN, IL 60015 | VISION SERVICE PLAN | $169 | — | $169 | 1.04% |
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 | 416 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 416 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 635 | $137K |
| Vision | VISION SERVICE PLAN | 215 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 635 | $137K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 635 | $137K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 635 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.