| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $195K | $0 | $195K | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NIPPON LIFE BENEFITS | $40K | $0 | $40K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 10.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 28031 NEW YORK, NY 10087 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 540 W MADISON CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 540 W MADISON CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 540 W MADISON CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $377 | $0 | $377 | 9.99% |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 836 | $10.9M |
| Dental | NIPPON LIFE BENEFITS | 717 | $1.6M |
| Vision | VISION SERVICE PLAN | 389 | $99K |
| Life insurance(2 contracts, 2 carriers) | NIPPON LIFE BENEFITS | 717 | $1.8M |
| Short-term disability | NIPPON LIFE BENEFITS | 717 | $1.6M |
| Long-term disability | NIPPON LIFE BENEFITS | 717 | $1.6M |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 836 | $10.9M |
| Other(6 contracts, 4 carriers) | NIPPON LIFE BENEFITS | 717 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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.