| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL OF ILLINOIS | $78K | $0 | $78K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | $0 | $14K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | $0 | $14K | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $51K | $0 | $51K | 12.74% |
| MARSH & MCLENNAN AGENCY LLC3 | ROLLINGWOOD CENTER BLDG 1 2500 BEE CAVE RD STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $16K | $16K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $178K | $0 | $178K | 49.29% |
| MARSH & MCLENNAN AGENCY LLC3 | ROLLINGWOOD CENTER BLDG 1 2500 BEE CAVE RD STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $14K | $14K | 3.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $51K | $0 | $51K | 14.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $43K | $0 | $43K | 12.73% |
| MARSH & MCLENNAN AGENCY LLC3 | ROLLINGWOOD CENTER BLDG 1 2500 BEE CAVE RD STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $14K | $14K | 4.00% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DR, STE 210 CHARLOTTE, NC 28210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121K | $0 | $121K | 49.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65K | $0 | $65K | 26.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $26K | $0 | $26K | 12.87% |
| MARSH & MCLENNAN AGENCY LLC3 | ROLLINGWOOD CENTER BLDG 1 2500 BEE CAVE RD STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $0 | $8K | $8K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $4K | $0 | $4K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $3K | $0 | $3K | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | $0 | $3K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $1K | $0 | $1K | 3.51% |
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 | 2,108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 55 | $1.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 2,158 | $1.6M |
| Vision | VISION SERVICE PLAN | 1,712 | $349K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,108 | $650K |
| Short-term disability | STANDARD INSURANCE COMPANY | 2,108 | $340K |
| Long-term disability | STANDARD INSURANCE COMPANY | 219 | $200K |
| Other | STANDARD INSURANCE COMPANY | 1,870 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,158 | — |
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.