| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF RD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $365K | $7K | $372K | 3.37% |
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF RD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $508 | $36K | 10.84% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $5K | $18K | 5.32% |
| DESSO FORMAN3 | 28059 US HWY 19 N STE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 23.25% |
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF RD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $63 | $3K | 10.19% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $359 | $2K | 5.75% |
| DESSO FORMAN3 | 28059 US HWY 19 N STE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 15.73% |
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF RD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $37 | $1K | 6.93% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $846 | $232 | $1K | 5.42% |
| DESSO FORMAN3 | 28059 US HWY 19 N STE 201 CLEARWATER, FL 33761 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 16.63% |
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF RD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $44 | $1K | 7.40% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $746 | $224 | $970 | 5.91% |
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 | 912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,092 | $11.0M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 1,092 | $11.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,216 | $333K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,216 | $333K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,216 | $333K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,216 | $333K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 1,092 | $11.0M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,216 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,216 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.