| 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 | -$41K | $39K | -$2K | -0.01% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS INC. | 570 LAKE COOK RD STE 106 DEERFIELD, IL 600154910 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 0.24% |
| KURT SCHMITKE3 | 1512 ARTAIUS PKWY LIBERTYVILLE, IL 600485231 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 0.03% |
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 | 18,920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,930 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 7,645 | $64.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 18,920 | $5.1M |
| Vision | VISION SERVICE PLAN | 6,930 | $385K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 18,920 | $5.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18,920 | $5.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18,920 | $5.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 18,920 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,920 | — |
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.