| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | HARTFORD LIFE AND ACCIDENT | $255K | — | $255K | 25.65% |
| HODGES-MACE LLC3 Filed as: HODGES- MACE LLC | 3350 RIVERWOOD PKWY #80 ATLANTA, GA 30339 | COMBINED INSURANCE | $107K | — | $107K | 17.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | COMBINED INSURANCE | $49K | — | $49K | 8.06% |
| RONALD KLEIMAN3 | 4522 RFD LAKE ZURICH, IL 60047 | COMBINED INSURANCE | $17K | — | $17K | 2.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DRIVE STE 2000 CHICAGO, IL 60606 | COMBINED INSURANCE | $9K | — | $9K | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | $4K | $58K | 10.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 10.01% |
| HODGES-MACE LLC3 Filed as: HODGES- MACE LLC | 3350 RIVERWOOD PKWY #80 ATLANTA, GA 30339 | COMBINED INSURANCE | $87K | — | $87K | 27.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 333 BRIDGE ST NW STE 710 GRAND RAPIDS, MI 49504 | COMBINED INSURANCE | $26K | — | $26K | 7.92% |
| RONALD KLEIMAN3 | 4522 RFD LAKE ZURICH, IL 60047 | COMBINED INSURANCE | $4K | — | $4K | 1.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DRIVE STE 2000 CHICAGO, IL 60606 | COMBINED INSURANCE | $3K | — | $3K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FL 6 NEW YORK, NY 10281 | COMBINED INSURANCE | $2K | — | $2K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $4K | $31K | 11.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $2K | $17K | 11.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | METLIFE LEGAL PLANS | $11K | — | $11K | 10.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $869 | $7K | 11.54% |
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 | 3,813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,287 | $345K |
| Life insurance(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 4,026 | $1.9M |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,026 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,026 | $1.1M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 6,074 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,074 | — |
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.
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.