| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $206K | $0 | $206K | 18.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $50K | $0 | $50K | 4.44% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 227 W MONROE STREET SUITE 5200 CHICAGO, IL 60606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $17K | $17K | 1.49% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $112 | $112 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $41K | $696 | $41K | 4.04% |
| GERRESHEIMER GLASS, INC.3 | 1131 ARNOLD STREET CHICAGO HEIGHTS, IL 60411 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA II 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG RIVER ROAD SUITE 2300 TROY, MI 48084 | DELTA DENTAL OF NEW JERSEY, INC. | $96K | $0 | $96K | 11.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG RIVER ROAD SUITE 2300 TROY, MI 48084 | DELTA DENTAL OF CONNECTICUT, INC | $11K | $0 | $11K | 10.68% |
| MARSH & MCLENNAN AGENCY LLC4 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 10.00% |
| SINDY F MARVIN4 | 10140 GRANDVIEW SQ JOHNS CREEK, GA 30097 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $112 | $0 | $112 | 0.75% |
| CLIFF MALLOY4 | 93 PATTERSON AVE HEMPSTEAD, NY 11550 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $112 | $0 | $112 | 0.75% |
| CAREER SOLUTIONS4 | 10229 S RIVER TRL KNOXVILLE, TN 37922 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | $0 | $37 | 0.25% |
| GUNG HO ENTERPRISES4 | PO BOX 8072 WACO, TX 76714 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | $0 | $37 | 0.25% |
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 | 1,232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 132 | $1.0M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,895 | $805K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC | 1,539 | $106K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,245 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,245 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,245 | $1.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,245 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,895 | — |
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."
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.