| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 540 W MADISON SUITE 1200 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $192K | $3K | $195K | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 1166 AVE OF THE AMERICAS 36TH FL NEW YORK, NY 10036 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 565 5TH AVENUE NEW YORK, NY 10017 | GUARDIAN LIFE INSURANCE COMPANY | $20K | — | $20K | 10.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | PO BOX 28198 NEW YORK, NY 10087 | VISION SERVICE PLAN | $2K | — | $2K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 9465 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $5K | 30.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 1166 AVE OF THE AMERICAS 36TH FL NEW YORK, NY 10036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $743 | — | $743 | 14.75% |
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 | 404 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 924 | $8.9M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 404 | $1.2M |
| Vision | VISION SERVICE PLAN | 365 | $80K |
| Life insurance(3 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 404 | $1.4M |
| Short-term disability | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 404 | $1.2M |
| Long-term disability(3 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 743 | $1.3M |
| Other(3 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 404 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 924 | — |
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."
No prospect flags tripped on this filing.