| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON ADMINISTRATIVE SERVICES5 Filed as: BOON ADMINISTRATIVE | 234 SPRING LAKE DR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 7.94% |
| SURE LIFE FINANCIAL GROUP LLC3 Filed as: SURE LIFE FINANCIAL GROUP | 1000 ESSINGTON RD STE 108 JOLIET, IL 60435 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.62% |
| SURE LIFE FINANCIAL GROUP LLC3 | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| SURE LIFE FINANCIAL GROUP LLC3 | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: SUN LIFE FINANCIAL GROUP LLC | 24118 W CHICAGO ST STE 100 PLAINFIELD, IL 60544 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERKLEY LIFE & HEALTH INSURANCE EIN 91-6034263 INSURANCE SERVICES | Insurance services Service code 23 | — | $509K |
| TRINITY CAPTIVE GROUP LLC EIN 86-2864118 INSURANCE SERVICES | Insurance services Service code 23 | — | $82K |
| SURE LIFE FINANCIAL GROUP EIN 46-0922394 INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | — | $73K |
| ASSURED BENEFIT ADMINISTRATORS EIN 74-2403409 CLAIMS PROCESSING | Claims processing Service code 12 | — | $54K |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 INSURANCE SERVICES | Insurance services Service code 23 | — | $35K |
| JCT BAKER CORPORATION EIN 83-0558990 OTHER COMMISSIONS | Other commissions Service code 55 | — | $35K |
| UNIVERSAL ASSURANCE LLC EIN 87-4667762 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $27K |
| 247 CALL A DOC LLC EIN 82-4884646 OTHER SERVICES | Other services Service code 49 | — | $5K |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $108K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $108K |
| Life insurance | STANDARD INSURANCE COMPANY | 231 | $61K |
| Short-term disability | STANDARD INSURANCE COMPANY | 229 | $55K |
| Long-term disability | STANDARD INSURANCE COMPANY | 143 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.