| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE LIFE INSURANCE CO | — | $188K | $188K | 4.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE LIFE INSURANCE CO | — | $38K | $38K | 0.89% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF ILLINOIS | $32K | — | $32K | 7.50% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE CO OF NORTH AMERICA | $5K | $3K | $8K | 8.76% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SHAUMBURG, IL 60173 | LIFE INSURANCE CO OF NORTH AMERICA | $4K | $3K | $7K | 8.53% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE LIFE INS CO | $6K | — | $6K | 8.54% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $7K | — | $7K | 16.01% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE CO OF NORTH AMERICA | $2K | $954 | $3K | 12.41% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE CO | $13K | — | $13K | 67.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE CO | $5K | — | $5K | 28.88% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | $931 | — | $931 | 8.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | $272 | — | $272 | 2.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR., STE 100 BLDG 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS | — | $11 | $11 | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | -$114 | $29 | -$85 | -0.81% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $43 | — | $43 | 9.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $17 | — | $17 | 3.89% |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE LIFE INSURANCE CO | 1,083 | $4.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 475 | $423K |
| Vision(2 contracts) | EYEMED VISION CARE | 678 | $43K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 607 | $95K |
| Long-term disability | LIFE INSURANCE CO OF NORTH AMERICA | 607 | $97K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE CO OF NORTH AMERICA | 607 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.