| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 4133 LAWN AVE. WESTERN SPRINGS, IL 60558 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 2.86% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 2.96% |
| JOHN T BLANCHARD3 | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.18% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.18% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 4133 LAWN AVE WESTERN SPRINGS, IL 60558 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.59% |
| JOHN T BLANCHARD3 | 1751 LAKE COOK RD #200 DEERFIELD, IL 60015 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.31% |
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $125 | $3K | 25.79% |
| JOHN T BLANCHARD3 | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | METROPOLITAN LIFE INSURANCE COMPANY | $731 | — | $731 | 6.63% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | METROPOLITAN LIFE INSURANCE COMPANY | $731 | — | $731 | 6.63% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $321 | — | $321 | 2.91% |
| VITA ENROLLMENT SOLUTIONS LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $107 | $2K | 24.97% |
| JOHN T BLANCHARD3 | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | METROPOLITAN LIFE INSURANCE COMPANY | $623 | — | $623 | 6.42% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | METROPOLITAN LIFE INSURANCE COMPANY | $623 | — | $623 | 6.42% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $274 | — | $274 | 2.83% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $21K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 872 | $253K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 872 | $253K |
| Life insurance(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 872 | $537K |
| Short-term disability(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 872 | $537K |
| Long-term disability(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 872 | $537K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 872 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.