| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA ASSURANCE | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $146K | $146K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $892 | $0 | $892 | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $890 | $0 | $890 | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 7.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $927 | $0 | $927 | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 15.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $751 | $0 | $751 | 1.47% |
| DANIEL A MARINEZ3 Filed as: DANIEL MARINEZ | 325 W HURON ST, STE 215 CHICAGO, IL 60654 | AFLAC | $1K | $50 | $1K | 3.29% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 W HURON ST, STE 215 CHICAGO, IL 60654 | AFLAC | $853 | $42 | $895 | 2.44% |
| NIKERINA INC3 | 325 W HURON ST, STE 215 CHICAGO, IL 60654 | AFLAC | $330 | $86 | $416 | 1.13% |
| JONATHAN ROMAN3 | 325 W HURON ST, STE 215 CHICAGO, IL 60654 | AFLAC | $330 | $0 | $330 | 0.90% |
| JORDAN MAHER3 | 6625 ALAMO AVE, APT 1E SAINT LOUIS, MO 63105 | AFLAC | $204 | $69 | $273 | 0.74% |
| CYNTHIA R XEROGIANES3 Filed as: CYNTHIA XEROGIANES | 6250 N OAKLEY AVE CHICAGO, IL 60659 | AFLAC | $192 | $40 | $232 | 0.63% |
| JOANNA M ROCKWELL3 Filed as: JOANNA NASCA | 350 N LA SALLE DR, STE 1410 CHICAGO, IL 60654 | AFLAC | $188 | $0 | $188 | 0.51% |
| RAYMOND TOWNSEND3 | 15W173 FILLMORE ST ELMHURST, IL 60126 | AFLAC | $138 | $0 | $138 | 0.38% |
| F R NASCA & ASSOCIATES LLC3 | 165 N CANAL ST, APT 716 CHICAGO, IL 60606 | AFLAC | $117 | $0 | $117 | 0.32% |
| NICOLE MAY3 | 7110 ORCHARD LAKE RD, UNIT 3001 WEST BLOOMFIELD, MI 48322 | AFLAC | $84 | $0 | $84 | 0.23% |
| KRISTI L HARSHBARGER3 Filed as: KRISTI HARSHBARGER | 220 W ILLINOIS ST, UNIT 1201 CHICAGO, IL 60654 | AFLAC | $82 | $0 | $82 | 0.22% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 1701 W WEBSTER AVE, UNIT 509 CHICAGO, IL 60614 | AFLAC | $55 | $0 | $55 | 0.15% |
| KEITH DOWNS3 | 350 N ORLEANS ST, STE 9000N CHICAGO, IL 60654 | AFLAC | $40 | $0 | $40 | 0.11% |
| JULIE A PARACHE3 Filed as: JULIE PARACHE | 4819 W ADDISON ST CHICAGO, IL 60641 | AFLAC | $21 | $0 | $21 | 0.06% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 1019 W JACKSON BLVD, APT 3G CHICAGO, IL 60607 | AFLAC | $18 | $0 | $18 | 0.05% |
| MITCHELL BANDUR3 | 541 W BRIAR PL, APT 501 CHICAGO, IL 60657 | AFLAC | $15 | $0 | $15 | 0.04% |
| MARC D BARNES3 Filed as: MARC BARNES | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $3 | $0 | $3 | 0.01% |
| JOSEPH A NASCA3 Filed as: JOSEPH NASCA | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $1 | $0 | $1 | 0.00% |
| DEVOSS INSURANCE AGENCY LLC3 | 798 EAGLE DR AURORA, IL 60506 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHRISTINE L BREWSTER3 Filed as: CHRISTINE BREWSTER | 701 CEDAR ST MCKINNEY, TX 75069 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $171 | $0 | $171 | 0.68% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 238 | $2.9M |
| Dental | STANDARD INSURANCE COMPANY | 256 | $128K |
| Vision | STANDARD INSURANCE COMPANY | 244 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 317 | $51K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 94 | $102K |
| Long-term disability | STANDARD INSURANCE COMPANY | 317 | $63K |
| Other | AFLAC | 61 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.