| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYNE BYRNE CO3 Filed as: BRYNE BYRNE & CO | 120 S LASALLE ST #1710 CHICAGO, IL 60613 | GUARDIAN LIFE INSURANCE COMPANY | $44K | $0 | $44K | 6.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $9K | $33K | 5.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $0 | $27K | 4.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2121 N CALIFORNIA BLVD 1000 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $8K | $13K | 6.81% |
| ARLEN ROGER3 | 2121 N CALIFORNIA BLVD 1000 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 6.10% |
| ECA FINANCIAL SERVICES INC3 Filed as: ECA FINANCIAL SERVICES | 10105 E VIA LINDA 103 300 SCOTTSDALE, AZ 85258 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 2.88% |
| STEVEN GARDINER3 Filed as: STEVEN KOPPEL | 1101 N. MARKET ST SUITE 100 MILWAUKEE, WI 53202 | JOHN HANCOCK | $3K | $0 | $3K | 4.19% |
| STEVEN GARDINER3 | 100 E WISCONSIN AVE #2300 MILWAUKEE, WI 53202 | JOHN HANCOCK | $3K | $0 | $3K | 4.19% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY DANIEL ISLAND, SC 29492 | RELIASTAR LIFE INSURANCE COMPANY | $20K | $0 | $20K | 49.97% |
| ECA FINANCIAL SERVICES INC3 Filed as: ECA FINANCIAL SERVICES | 10105 E VIA LINDA 103 300 SCOTTSDALE, AZ 85258 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $633 | $0 | $633 | 7.36% |
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 | 989 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,741 | $595K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 1,375 | $93K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,016 | $652K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 955 | $575K |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 955 | $771K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 126 | $732K |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK | 989 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,741 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.