| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF ILLINOIS | $47K | — | $47K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE CO | $54K | $9K | $63K | 12.26% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE CO | $203K | — | $203K | 50.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE CO | $87K | — | $87K | 21.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN | $13K | — | $13K | 3.37% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $30K | — | $30K | 12.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN | $4K | — | $4K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE CO | $11K | $2K | $13K | 12.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $181 | — | $181 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MAETINGALE RD., STE 100 SCHAUMBURG, IL 60173 | FIRST UNUM LIFE INSURANCE CO | $3K | $328 | $3K | 60.59% |
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 | 1,404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN | 71 | $497K |
| Dental | DELTA DENTAL OF ILLINOIS | 1,485 | $871K |
| Vision | VISION SERVICE PLAN | 0 | $35K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO | 1,703 | $919K |
| Short-term disability | UNUM LIFE INSURANCE CO | 1,703 | $515K |
| Long-term disability | UNUM LIFE INSURANCE CO | 1,703 | $515K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE CO | 1,703 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,703 | — |
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."
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.