| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $11K | $4K | $15K | 4.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 2.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE, FL 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 2.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 2.15% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 0.57% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 6230 FAIRVIEW RD, STE 210 CHARLOTTE, NC 28210 | RELIASTAR LIFE INSURANCE COMPANY | $61K | $0 | $61K | 47.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $25K | $0 | $25K | 19.44% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE, STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE, FL 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE 32ND FLOOR NEW YORK, NY 10166 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.28% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $509 | $509 | 0.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE, FL 21 NEW YORK, NY 10173 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE, 32ND FLOOR NEW YORK, NY 10166 | VISION SERVICE PLAN | -$14 | $0 | -$14 | -0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD, STE. 100 SCHAUMBURG, IL 60173 | ACE AMERICAN INSURANCE COMPANY | $576 | $0 | $576 | 15.00% |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 454 | $352K |
| Vision | VISION SERVICE PLAN | 402 | $69K |
| Life insurance | STANDARD INSURANCE COMPANY | 527 | $177K |
| Short-term disability | STANDARD INSURANCE COMPANY | 527 | $78K |
| Long-term disability | STANDARD INSURANCE COMPANY | 527 | $86K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 576 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.