| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $289K | $193K | $482K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $78K | $0 | $78K | 0.60% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 E. 1ST STREET, STE. 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154K | $0 | $154K | 12.56% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86K | $0 | $86K | 6.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $147K | $0 | $147K | 15.00% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.40% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 EAST 1ST ST., STE. 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $337K | $0 | $337K | 53.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE COMPANY | $114K | $0 | $114K | 18.17% |
| FIRST STAFF BENEFITS3 Filed as: FIRST STAFF BENEFITS LLC | 123 CENTER PARK DR., STE. 127 KNOXVILLE, TN 37922 | TRANSAMERICA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 4.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $425 | $0 | $425 | 0.07% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $2K | $3K | $5K | 1.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $5K | $10K | 4.62% |
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 | 4,298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,575 | $13.5M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,575 | $13.1M |
| Vision | VISION SERVICE PLAN | 1,416 | $277K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 4,298 | $1.6M |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 4,298 | $981K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 4,298 | $981K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 8,603 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,603 | — |
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.