| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $453K | $30K | $483K | 3.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 3100 E MIRALOMA AVE, STE 240 STE 400 ANAHEIM, CA 92806 | RELIASTAR LIFE INSURANCE COMPANY | $549K | $0 | $549K | 28.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD 20 N. MARTINGALE RD., STE. 100 KING OF PRUSSIA, PA 19406 | RELIASTAR LIFE INSURANCE COMPANY | $344K | $0 | $344K | 17.64% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DR 9016 SILVER LAKE DR SALT LAKE CITY, UT 84119 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $59K | $59K | 3.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | — | COMBINED INSURANCE COMPANY | $160K | $0 | $160K | 23.22% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INSURANCE LLC | — | COMBINED INSURANCE COMPANY | $34K | $0 | $34K | 4.86% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COMBINED INSURANCE COMPANY | $7K | $0 | $7K | 1.01% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | — | COMBINED INSURANCE COMPANY | $196K | $0 | $196K | 63.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COMBINED INSURANCE COMPANY | $84K | $0 | $84K | 27.00% |
| BENEFITS ALL IN LLC3 | — | COMBINED INSURANCE COMPANY | $28K | $0 | $28K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $6K | $0 | $6K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $4K | $112 | $4K | 3.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | $0 | $3K | 3.33% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE CO, INC. | 1820 E. FIRST STREET, STE 400 SANTA ANA, CA 92705 | METLIFE LEGAL PLANS | $3K | $3K | $6K | 13.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC. | 7225 NORTHLAND DRIVE NORTH, STE 300 MINNEAPOLIS, MN 55428 | METLIFE LEGAL PLANS | $0 | $98 | $98 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA TWO 250 PEHLE AVE, SUITE 400 SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | $0 | $71 | $71 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST, STE 100 MIAMI, FL 33178 | METLIFE LEGAL PLANS | $0 | $70 | $70 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METLIFE LEGAL PLANS | $0 | $13 | $13 | 0.03% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | — | METLIFE LEGAL PLANS | $0 | $5 | $5 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $112 | $0 | $112 | — |
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 | 3,833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,714 | $16.7M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,714 | $16.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,658 | $258K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,126 | $2.3M |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,126 | $2.6M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,126 | $1.9M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,836 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,836 | — |
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.