| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLOBAL BENEFITS INC3 | 570 LAKE COOK ROAD STE 106 DEERFIELD, IL 60015 | UNITED HEALTHCARE INSURANCE COMPANY | -$94K | $257K | $163K | 0.46% |
| GLOBAL BENEFITS INC3 | 1512 ARTAIUS PKWY #101 LIBERTYVILLE, IL 600485231 | UNITED HEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 0.07% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS INC. | 570 LAKE COOK RD STE 106 DEERFIELD, IL 600154910 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | $9K | $104K | 2.51% |
| KURT SCHMITKE3 | 1512 ARTAIUS PKWY LIBERTYVILLE, IL 600485231 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | — | $14K | 0.56% |
| KURT SCHMITKE3 | 1512 ARTAIUS PKWY LIBERTYVILLE, IL 600485231 | KAISER FOUNDATION HEALTH PLAN, INC. | $101K | — | $101K | 4.17% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS INC. | 570 LAKE COOD ROAD SUITE 106 DEERFIELD, IL 60015 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $39K | — | $39K | 2.78% |
| KURT SCHMITKE3 | 1512 ARTAIUS PKWY LIBERTYVILLE, IL 600485231 | KAISER FOUDATION HEALTH PLAN, INC. | $44K | — | $44K | 4.00% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS INC. | 570 LAKE COOK RD STE. 106 DEERFIELD, IL 60015 | BLUECROSS AND BLUESHIELD OF OKLAHOMA | $14K | — | $14K | 4.86% |
| KURT SCHMITKE3 | 1512 ARTAIUS PKWY LIBERTYVILLE, IL 60048 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 4.04% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 570 LAKE COOK RD. STE 106 DEERFIELD, IL 600154910 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | — | $569 | $569 | 0.48% |
| GLOBAL BENEFITS INC3 | 1512 ARTAIUS PARKWAY STE 101 LIBERTYVILLE, IL 60048 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $9K | 17.48% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 1512 ARTAIUS PARK SUITE 101 LIBERTYVILLE, IL 60048 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.02% |
| VERNA OSHIRO3 | 818 KEEAUMOKU STREET HONOLULU, HI 96808 | USABLE LIFE | $256 | — | $256 | 4.00% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 1512 ARTAIUS PARKWAY LIBERTYVILLE, IL 60048 | EYEMED VISION CARE | $630 | — | $630 | 11.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VISION SERVICE PLAN EIN 06-1227840 CLAIMS PROCESSING | Claims processing Service code 12 | — | $75K |
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 | 16,842 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 9 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 6,384 | $55.1M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,185 | $4.3M |
| Vision(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 6,031 | $1.8M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,185 | $5.6M |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,185 | $4.2M |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,185 | $5.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,185 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,185 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.