| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $52K | $11K | $63K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $31K | $0 | $31K | 8.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $5K | $0 | $5K | 10.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $9K | $13K | 30.85% |
| LINDA COLLEEN LAMB4 | 2206 W GRANVILLE AVE., APT. 1 CHICAGO, IL 60659 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $372 | $0 | $372 | 5.55% |
| MARSH & MCLENNAN AGENCY LLC4 | 360 HAMILTON AVE, STE 930 WHITE PLAINS, NY 10601 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $181 | $0 | $181 | 2.70% |
| MARSH & MCLENNAN AGENCY LLC4 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $162 | $0 | $162 | 2.42% |
| MARY TURLEY4 | 34251 N HOMESTEAD RD GURNEE, IL 60031 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | $0 | $29 | 0.43% |
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 785 | $5.5M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 785 | $5.5M |
| Vision | EYEMED | 319 | $47K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 469 | $395K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 469 | $352K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 469 | $352K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 469 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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.