| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNNAN DBA ASSURANCE | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $69K | $69K | 4.32% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | COMPANION LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD #100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 11.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD #100 SCHAUMBURG, IL 45402 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 10.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD #100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.91% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | WELLFLEET INSURANCE COMPANY | $755 | $0 | $755 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $657 | $0 | $657 | 16.99% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN ST, STE 600 SOUTH SALT LAKE, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | $0 | $202 | 5.23% |
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $1.6M |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 228 | $212K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 345 | $141K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 252 | $195K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 252 | $165K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 228 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.