| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE.100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $5K | $49K | 8.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 17.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.40% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 7.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $445 | $445 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 19.70% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $661 | $0 | $661 | 2.52% |
| ENROLLMENT FIRST INC3 Filed as: ENROLLMENT FIRST INC. | 237 GORE RD KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 9.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST, STE 100 MIAMI, FL 33178 | METLIFE LEGAL PLANS | $0 | $52 | $52 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $0 | $26 | $26 | 0.16% |
| J.W. TERRILL3 | 825 MARYVILLE CENTRE DR., STE 200 CHESTERFIELD, MO 63017 | METLIFE LEGAL PLANS | $0 | $13 | $13 | 0.08% |
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 | 802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 11 | $63K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 676 | $641K |
| Vision(2 contracts) | AETNA LIFE INSURANCE COMPANY | 2,056 | $121K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 802 | $180K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 802 | $199K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 802 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,056 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.