| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM W. JOHNSON3 Filed as: WILLIAM W JOHNSON | 187 S SCHUYLER AVE STE 500 KANKAKEE, IL 609010071 | HEALTH ALLIANCE MEDICAL PLANS | $42K | — | $42K | 1.50% |
| ANTHONY JOHNSTON3 | 187 S SCHUYLER AVE STE 500 KANKAKEE, IL 609010071 | HEALTH ALLIANCE MEDICAL PLANS | $40K | — | $40K | 1.44% |
| ESSER HAYES INSURANCE GROUP3 Filed as: ESSER HAYES INS GROUP INC | 1811 HIGH GROVE LN STE 139 NAPERVILLE, IL 605409100 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.44% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF IL LLC | 4350 WEAVER PKWY WARRENVILLE, IL 605553925 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 0.97% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF IL LLC | 4350 WEAVER PKWY WARRENVILLE, IL 605553925 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.48% |
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 | 419 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 554 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $361K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $361K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $361K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $361K |
| Prescription drug | HEALTH ALLIANCE MEDICAL PLANS | 554 | $2.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.