| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $209K | $115K | $324K | 40.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $2K | $28K | 21.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $22K | 21.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 15.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $194 | $4K | 9.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $311 | $5K | 26.64% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | FIDELITY SECURITY LIFE INSRUANCE COMPANY | $49 | $0 | $49 | 8.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | 300 EAST RANDOLPH STREET CHICAGO, IL 60601 | $369K |
| WEX HEALTH, INC. A WEX COMPANY EIN 06-1593574 NONE | Accounting (including auditing) Service code 10 | 700 26TH AVENUE EAST WEST FARGO, ND 58078 | $29K |
| HEALTHIESTYOU NONE | Contract Administrator; Other services Service code 13 | 5350 EAST HIGH STREET, SUITE 350 PHOENIX, AZ 85054 | $24K |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 503 | $46K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 497 | $251K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 497 | $130K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 497 | $130K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 602 | $792K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 602 | $792K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 646 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.