| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD, STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $53 | $39K | 7.14% |
| BOON ADMINISTRATIVE SERVICES3 | 234 SPRING LAKE DR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $36K | $36K | 6.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $305 | $305 | 0.06% |
| GCG FINANCIAL LLC3 Filed as: CLARITY, AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.97% |
| BOON ADMINISTRATIVE SERVICES3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $872 | $0 | $872 | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $371 | $0 | $371 | 1.61% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $220 | $220 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.23% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | $0 | -$1K | -5.34% |
| THE BOON INSURANCE AGENCY3 | 234 SPRING LAKE DR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | $0 | $129 | 1.15% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.07% |
| GBS INSURANCE & FINANCIAL SVCS INC3 | 0721 GBS LAB PO BOX 4393 CLINTON, IA 52733 | MASSMUTUAL LIFE INSURANCE CO. | $899 | $2 | $901 | 8.35% |
| GREGORY A MCROBERTS3 | 8888 KEYSTONE XING STE 1600 INDIANAPOLIS, IN 46240 | MASSMUTUAL LIFE INSURANCE CO. | $197 | $426 | $623 | 5.77% |
| UNKNOWN3 | 8605 E RAINTREE DR, STE 200 SCOTTSDALE, AZ 85260 | MASSMUTUAL LIFE INSURANCE CO. | $537 | $0 | $537 | 4.97% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 99.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 35.84% |
| BOON ADMINISTRATIVE SERVICES3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.91% |
| GCG FINANCIAL LLC3 Filed as: CLARITY, AN ALERA GROUP CO LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.02% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $186 | $186 | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $61 | $0 | $61 | 0.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 25.39% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 123.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 41.86% |
| BOON ADMINISTRATIVE SERVICES3 | 2850 GOLF RD. ROLLING MEADOWS, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $693 | $0 | $693 | 13.39% |
| GCG FINANCIAL LLC3 Filed as: CLARITY, AN ALERA GROUP CO LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $563 | $0 | $563 | 10.88% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $177 | $177 | 3.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.73% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $541K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $541K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $541K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $541K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $552K |
| Other(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $596K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
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.