Plan Ledger DOL Form 5500 · updated monthly

Cultivate Administrative Servicesbenefits

Cultivate Administrative Services Employee Benefit Plan · NAPERVILLE, IL · plan year 2025

Broker compensation reported · 2025
$34,691

Cultivate Administrative Services's benefits plans covered 904 active participants in 2025, providing health · life · dental · vision · short-term disability · other. Insurance brokers and agents were paid $34,691 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That is $38 per covered person, in the bottom quarter of employer plans that report broker pay. Brokers were paid 6.0x the $5,748 reported for 2024.

Insurance contracts · 20253
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA · life std ltdpremiums n/a · 1,994 covered
UNITEDHEALTHCARE INSURANCE COMPANY · health dental visionpremiums n/a · 2,272 covered
UNITEDHEALTHCARE INSURANCE COMPANYpremiums n/a · 614 covered
Brokers & agents paid · 20252
J SMITH LANIER, MARSH MCLENNAN AGCY$13,822 · incl $13,822 fees
Also brokered by Marsh McLennan Agency5
Rme LTD. LLC CO$10,578,643

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 853950335 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.