| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 8.15% |
| MARK METTILLE3 Filed as: MARK S METILLE | 107 CANDLELIGHT ROAD MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 7.22% |
| CRAWFORD ASSOCIATES, INC.3 Filed as: CRAWFORD ASSOCIATES, INC | 1355 PICCARD DRIVE SUITE 380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | INTEGRA ADMINISTRATIVE GROUP | $49K | — | $49K | 22.63% |
| INTEGRA ADMINISTRATIVE GROUP5 Filed as: INTEGRA | 110 SOUTH SHIPLEY STREET SEAFORD, DE 19973 | INTEGRA ADMINISTRATIVE GROUP | $4K | — | $4K | 1.97% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INTEGRA ADMINISTRATIVE GROUP | 148 | $216K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $259K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $259K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $259K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $259K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $259K |
| Prescription drug | INTEGRA ADMINISTRATIVE GROUP | 148 | $216K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.