| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA ASSURANCE | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | $0 | $38K | 7.33% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | $0 | $38K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 3.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 100 FRONT ST., STE. 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 2.68% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E 1ST ST., STE. 400 SANTA ANA, CA 92705 | HARTFORD LIFE AND ACCIDENT | $508 | $77 | $585 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $295 | $295 | 0.12% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $3K | $6K | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | DBA ASSURANCE 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.88% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC. | 1820 E FIRST ST., STE. 400 SANTA ANA, CA 92705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $14K | 28.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.22% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC. | 1820 E FIRST ST., STE. 400 SANTA ANA, CA 92705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $12K | 29.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.32% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC. | 1820 E FIRST ST., STE. 400 SANTA ANA, CA 92705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $10K | 28.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.27% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $3K | $0 | $3K | 10.73% |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 222 | $521K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 315 | $163K |
| Vision | EYEMED | 449 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 493 | $243K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 493 | $243K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 493 | $243K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 493 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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."
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.