| 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 | $406K | $42K | $447K | 3.09% |
| DAVIDSON JAMES DUNCAN3 Filed as: DAVIDSON JAMES | 1820 E FIRST STREET, STE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $344K | $0 | $344K | 38.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147K | $0 | $147K | 16.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $130K | $0 | $130K | 15.00% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DR SALT LAKE CITY, UT 84119 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.75% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC | 3100 MIRALOMA AVE, STE 240 ANAHEIM, CA 92806 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | $19K | $88K | 22.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $0 | $30K | 7.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $9K | $0 | $9K | 2.68% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC | 3100 E MIRALOMA AVE, STE 240 ANAHEIM, CA 92806 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $14K | $55K | 18.27% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $27K | $6K | $33K | 12.35% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICECOMPANY LLC | 3100 MIRALOMA AVE, STE 240 ANAHEIM, CA 92806 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | $13K | $61K | 23.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $0 | $21K | 8.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $5K | $0 | $5K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $4K | $0 | $4K | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | $80 | $2K | 2.56% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE CO, INC. | 1820 E. FIRST STREET, STE 400 SANTA ANA, CA 92705 | METLIFE LEGAL PLANS | $3K | $138 | $3K | 7.13% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 E 13TH STREET, #400 SANTA ANA, CA 92705 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 5.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 2.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $0 | $13 | $13 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | $0 | $1K | 3.07% |
| DAVIDSON JAMES DUNCAN3 Filed as: DAVIDSON JAMES | 1820 E FIRST STREET, STE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 27.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | AFLAC | $3K | $0 | $3K | 9.97% |
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 | 4,107 | 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) | 4,120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,532 | $15.4M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,532 | $14.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,572 | $265K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,359 | $1.8M |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4,359 | $1.8M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,359 | $867K |
| Other(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,035 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,035 | — |
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.