| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS A SCHNEIDER3 | 4133 LAWN AVE WESTERN SPRINGS, IL 605581441 | UNITED HEALTHCARE INSURANCE COMPANY | -$12K | $114K | $102K | 1.74% |
| JOHN T BLANCHARD3 | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | UNITED HEALTHCARE INSURANCE COMPANY | -$12K | $114K | $102K | 1.74% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $10K | $45K | 6.10% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $12K | 1.66% |
| JOHN T BLANCHARD3 Filed as: JOHN BLANCHARD | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $12K | 1.65% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 10577 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 800 WESTCHESTER AVE STE N 311 RYE BROOK, NY 10573 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.01% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, IL 77583 | COMBINED INSURANCE | $42K | — | $42K | 59.00% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | COMBINED INSURANCE | $17K | — | $17K | 23.42% |
| RUSSELL J CARPENTIERI3 Filed as: RUSSELL CARPENTIERI | — | COMBINED INSURANCE | $757 | — | $757 | 1.07% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 775836093 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 26.59% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $464 | $10K | 20.17% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $29 | $3K | 6.63% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 6.51% |
| JOHN T BLANCHARD3 Filed as: JOHN BLANCHARD | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $27 | $2K | 5.05% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.50% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 775836093 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 42.73% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $457 | $10K | 25.71% |
| CHRIS GUZEWICH3 Filed as: CHRIS SCHNEIDER | 500 SKOKIE BLVD STE 590 NORTHBROOK, IL 600622891 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $23 | $3K | 7.33% |
| JOHN T BLANCHARD3 Filed as: JOHN BLANCHARD | 1751 LAKE COOK RD STE 200 DEERFIELD, IL 600155222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $21 | $2K | 6.06% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 606313507 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $871 | $2K | 5.96% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | METROPOLITAN LIFE INSURANCE COMPANY | $618 | — | $618 | 1.53% |
| CHRIS A SCHNEIDER3 | 4133 LAWN AVE WESTERN SPRINGS, IL 605581441 | HYATT LEGAL PLANS | $1K | — | $1K | 11.68% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | HYATT LEGAL PLANS | $286 | — | $286 | 2.66% |
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 | 807 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 791 | $5.9M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,259 | $6.6M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,259 | $6.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,259 | $743K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,259 | $743K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,259 | $743K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,259 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,259 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.