| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $120K | $0 | $120K | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | UNKNOWN BARTLETT, IL 60103 | BLUECROSS BLUESHIELD OF ILLINOIS | $54K | $8K | $61K | 1.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $7K | $26K | 10.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 6.32% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNUM INSURANCE COMPANY | $34K | $2K | $36K | 41.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNUM INSURANCE COMPANY | $15K | $1K | $16K | 18.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $938 | $88 | $1K | 1.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $767 | $0 | $767 | 2.28% |
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 | 438 | 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) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 634 | $4.5M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 634 | $4.5M |
| Vision | VISION SERVICE PLAN | 338 | $34K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $247K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $247K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $247K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 634 | $4.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.