| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $44K | $0 | $44K | 5.06% |
| EUCLID MANAGERS3 | 234 SPRING LAKE DR ITASCA, IL 60143 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 1.40% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY INC | 234 SPRING LAKE DR ITASCA, IL 60143 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $5K | $12K | 13.55% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.07% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN LIFE INSURANCE COMPANY | $388 | $0 | $388 | 0.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE,A MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 69.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $116 | $0 | $116 | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE,A MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 69.98% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $110 | $0 | $110 | 5.02% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $875K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 164 | $88K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 164 | $88K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 164 | $88K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 164 | $88K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 164 | $88K |
| Other(4 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 164 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.