| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRINGE FUNDING, INC.3 | ONE CROSSROADS OF COMMERCE DR. SUITE 615 ROLLING MEADOW, IL 60008 | HEALTH CARE SERVICE CORPORATION (BLUE CROSS BLUE SHIELD) | — | — | $0 | 0.00% |
| FRINGE FUNDING, INC.3 | ONE CROSSROADS OF COMMERCE DR. SUITE 615 ROLLINGS MEADOWS, IL 60008 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 3.82% |
| GROUP ADMINISTRATORS LTD3 | 915 NATIONAL PARKWAY SCHAUMBURG, IL 60173 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 2.20% |
| THE HORTON GROUP | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 2.11% |
| DAVID O'HARA3 | FRINGE FUNDING, INC. 3601 ALGONQUIN ROAD, SUITE 615 ROLLING MEADOWS, IL 60008 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $555 | — | $555 | 14.97% |
| LANNY D. LEVIN AGENCY, INC.3 | 1751 LAKE COOK ROAD SUITE 350 DEERFIELD, IL 60015 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.16% |
| MARK METTILLE3 Filed as: MARK C. PIETSCH | 10816 CRYSTAL SPRINGS LANE ORLAND PARK, IL 60467 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD EIN 36-3381052 CONTRACT ADMIN ISTRATOR | Claims processing Service code 12 | 915 NATIONAL PARKWAY SUITE F SCHAUMBURG, IL 60173 | $156K |
| STUDIO MECHANICS LOCAL 476 EIN 36-2088664 EMPLOYER ORGAN IZATION/UN | Plan Administrator; Direct payment from the plan Service code 14 | — | $76K |
| THE HORTON GROUP EIN 36-3672171 INSURANCE BROKER | Insurance services; Consulting (general); Direct payment from the plan Service code 16 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | $42K |
| WAMPLER & ASSOCIATES, LLC EIN 32-0106897 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $37K |
| JACOB BURNS, ORLOVE & HERNANDEZ EIN 36-2425981 LAWYER | Legal; Direct payment from the plan Service code 29 | — | $18K |
| FGMK, LLC EIN 36-2929601 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| TRICAST, LLC AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | 10400 W. INNOVATION DRIVE SUITE 310 MILWAUKEE, WI 53226 | $9K |
| COMERICA BANK EIN 36-6602783 INVESTMENT CUSTODIAN | Other services; Float revenue; Custodial (securities); Other fees; Investment management; Shareholder servicing fees; Direct payment from the plan; Other investment fees and expenses Service code 19 | — | $8K |
| TED WINDSOR & ASSOCIATES EIN 36-4374704 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $7K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 36-4268991 INVESTMENT ADVISOR | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $6K |
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 | 705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION (BLUE CROSS BLUE SHIELD) | 705 | $5.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 148 | $80K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 617 | $68K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3 | $4K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION (BLUE CROSS BLUE SHIELD) | 705 | $5.1M |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY (OPTUM) | 742 | $1.4M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 617 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.