| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | HEALTH CARE SERVICE CORPORATION | $153K | $4K | $156K | 3.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | AMERITAS LIFE INSURANCE CORP | $13K | $0 | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45402 | AMERITAS LIFE INSURANCE CORP | $0 | $1K | $1K | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE100 SCHAUMBURG, IL 60173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 12.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 19.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 411 | $4.0M |
| Dental | AMERITAS LIFE INSURANCE CORP | 391 | $134K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 178 | $27K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 187 | $48K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 140 | $65K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 140 | $65K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 187 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.