| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | $0 | $46K | 4.77% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 601730004 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $435 | $3K | 27.69% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMINISTRACTION | PO BOX 1060 GETTYSBURG, PA 17325 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 13.67% |
| JEREMY C TUCKFELT3 | 3456 PENN AVE PITTSBURGH, PA 15201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $203 | $0 | $203 | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE,A MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD SUITE 100 SCHAUMBURG, IL 601732412 | EYEMED | $775 | $0 | $775 | 10.54% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $957K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $98K |
| Vision | EYEMED | 122 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $98K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $98K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 23 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.