| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | PO BOX 10932 CHICAGO, IL 60610 | UNITED HEALTHCARE INSURANCE COMPANY | $755 | $0 | $755 | 0.17% |
| INVISION BENEFIT3 Filed as: INVISION BENEFIT, LTD. | MARKO CASTILLO 99 BOULDER DR. LAKE IN THE HILLS, IL 60156 | DELTA DENTAL OF OHIO | $14K | $0 | $14K | 9.87% |
| INVISION BENEFIT3 Filed as: INVISION BENEFIT LTD | 99 BOULDER DRIVE LAKE IN THE HILLS, IL 60156 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 20.00% |
| INVISION BENEFIT3 | 99 BOULDER DR LAKE IN THE HILLS, IL 60156 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $239 | $5K | 21.28% |
| SECURE BENEFIT ADMINISTRATORS LLC3 | 2413 W ALGONQUIN RD UNIT 239 ALGONQUIN, IL 60102 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.97% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 441 | $146K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $452K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $23K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 111 | $69K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 111 | $69K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $452K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.