| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD, STE 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $46K | — | $46K | 3.64% |
| 360 BENEFITS LLC3 | 20 N CLARK ST CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $280 | $5K | 10.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD, STE 100 SCHAUMBURG, IL 60173 | STARMONT LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| 360 BENEFITS LLC3 | 20 N CLARK ST CHICAGO, IL 60602 | STARMONT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| 360 BENEFITS LLC3 | 20 N CLARK ST CHICAGO, IL 60602 | EYEMED | $465 | — | $465 | 9.20% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 175 | $1.3M |
| Dental | STARMONT LIFE INSURANCE COMPANY | 69 | $36K |
| Vision | EYEMED | 76 | $5K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $53K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $53K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 168 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.