| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INVISION BENEFIT3 Filed as: INVISION BENEFIT, LTD | 99 BOULDER DR LAKE IN THE HILLS, IL 60156 | DELTA DENTAL OF OHIO | $12K | — | $12K | 9.11% |
| INVISION BENEFIT3 Filed as: INVISION BENEFITS LTD | 99 BOULDER DRIVE LAKE IN THE HILLS, IL 60156 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $12K | — | $12K | 18.34% |
| INVISION BENEFIT3 | 99 BOULDER DR LAKE IN THE HILLS, IL 60156 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 29.66% |
| INVISION BENEFIT3 Filed as: INVISION BENEFIT LTD | 99 BOULDER DR LAKE IN THE HILLS, IL 60156 | UNITEDHEALTHCARE INSURANCE COMPANY | $217 | — | $217 | 0.84% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 389 | $130K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $62K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 105 | $68K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 105 | $68K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.