| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYNE BYRNE CO3 | 120 S LASALLE ST 1710 CHICAGO, IL 60613 | GUARDIAN LIFE INSURANCE COMPANY | $43K | $0 | $43K | 6.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $8K | $33K | 5.26% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY DANIEL ISLAND, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $0 | $28K | 4.71% |
| ARLEN ROGER3 | 2121 N CALIFORNIA BLVD 1000 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 6.37% |
| 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 | $4K | $2K | $6K | 3.68% |
| ECA FINANCIAL SERVICES INC3 Filed as: ECA FINANCIAL SERVICES | 10105 E VIA LINDA 103 300 SCOTTSDALE, AZ 85258 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 2.32% |
| STEVEN GARDINER3 | 100 E WISCONSIN AVE #2300 MILWAUKEE, WI 53202 | JOHN HANCOCK | $6K | $0 | $6K | 7.90% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY DANIEL ISLAND, SC 29492 | RELIASTAR LIFE INSURANCE COMPANY | $14K | $0 | $14K | 27.78% |
| ECA FINANCIAL SERVICES INC3 Filed as: ECA FINANCIAL SERVICES | 10105 E VIA LINDA 103 300 SCOTTSDALE, AZ 85258 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $619 | $0 | $619 | 7.99% |
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 | 966 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,733 | $622K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 1,396 | $94K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 993 | $638K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 958 | $585K |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 958 | $752K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 138 | $879K |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK | 966 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,733 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.