| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MW INC | 233 SOUTH WACKER DR STE 1800 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $48K | — | $48K | 11.49% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $12K | $12K | 2.89% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 0.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MW INC | 233 SOUTH WACKER DR STE 1800 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 10.14% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 3.69% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $912 | $912 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD #100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $60K | — | $60K | 27.82% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $9K | $9K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $3K | — | $3K | 2.55% |
| EOI SERVICE COMPANY INC3 Filed as: EOI ENROLLMENT SERVICES, LLC | 3100 E MIRALOMA AVE SUITE 240 CHICAGO, IL 92806 | TRANSAMERICA LIFE INSURANCE COMPANY | $66K | — | $66K | 66.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 7410096 CHICAGO, IL 60674 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | — | $28K | 28.50% |
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 | 1,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 930 | $104K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,134 | $517K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,133 | $222K |
| Other(3 contracts) | STANDARD INSURANCE COMPANY | 1,134 | $856K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,134 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.