| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIP GOODRUM3 | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $58K | $0 | $58K | 19.33% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | COMBINED INSURANCE | $25K | $0 | $25K | 8.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $46 | $0 | $46 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $13K | $31K | 13.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $9K | $24K | 12.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $9K | $21K | 14.36% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $35K | $0 | $35K | 28.58% |
| MARSH & MCLENNAN AGENCY LLC3 | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $15K | $0 | $15K | 12.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $6K | $15K | 14.24% |
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 | 1,399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | 14 | $2K |
| Vision | HM LIFE INSURANCE COMPANY | 2,095 | $108K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,399 | $291K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $235K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 320 | $149K |
| Other(4 contracts, 2 carriers) | COMBINED INSURANCE | 1,399 | $713K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,095 | — |
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.