| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $74K | $3K | $77K | 4.05% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | DEARBORN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 216 SOUTH JEFFERSON STREET UNIT LL2 CHICAGO, IL 60661 | DEARBORN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.27% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 11.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 216 SOUTH JEFFERSON STREET UNIT LL2 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $369 | $7K | 5.20% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 216 SOUTH JEFFERSON STREET UNIT LL2 CHICAGO, IL 60661 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $447 | $0 | $447 | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET CHICAGO, IL 60661 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $431 | $0 | $431 | 2.85% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 241 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $133K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 236 | $15K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 206 | $173K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 206 | $173K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 206 | $173K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 241 | $1.9M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 206 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.