| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PKWY, UNIT 300 DEER PARK, IL 60010 | RELIASTAR LIFE INSURANCE COMPANY | $74K | $0 | $74K | 5.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD., STE. 2300 TROY, MI 48084 | RELIASTAR LIFE INSURANCE COMPANY | $32K | $0 | $32K | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.00% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PKWY STE. 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22 | $22 | 0.00% |
| JOHN RUTLEDGE3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | $0 | $17K | 10.75% |
| MITCHELL ANDREWS3 | 28 HIDDEN BROOK DRIVE NORTH BARRINGTON, IL 60010 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | $0 | $15K | 9.07% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PKWY STE. 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $1K | $15K | 13.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $34 | $9K | 7.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE. 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $533 | $533 | 0.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON US LLC | PO BOX 28852 ALUDYNE, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
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 | 2,394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,031 | $792K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,827 | $161K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,209 | $1.2M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,209 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,209 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,209 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.