| 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 | $312K | $0 | $312K | 2.94% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $45K | $45K | 0.43% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 E. 1ST STREET, STE. 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209K | $0 | $209K | 17.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115K | $0 | $115K | 9.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $124K | $0 | $124K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.66% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY INC. | 1820 EAST 1ST ST., STE. 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $173K | $0 | $173K | 35.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE COMPANY | $55K | $0 | $55K | 11.34% |
| FIRST STAFF BENEFITS3 Filed as: FIRST STAFF BENEFITS LLC | 123 CENTER PARK DR., STE. 127 KNOXVILLE, TN 37922 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | TRANSAMERICA LIFE INSURANCE COMPANY | $405 | $0 | $405 | 0.08% |
| 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 | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $954 | $0 | $954 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $8K | $480 | $8K | 6.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | AFLAC | $13K | $0 | $13K | 100.00% |
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 | 4,488 | 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) | 4,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,558 | $11.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,558 | $10.6M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,527 | $233K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 4,488 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,488 | $2.1M |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 4,488 | $829K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 562 | $220K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 8,768 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,768 | — |
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.