| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $161K | $18K | $179K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $24K | $0 | $24K | 9.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.49% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $230 | $9K | 31.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $53 | $4K | 13.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $101 | $101 | 0.36% |
| GCG FINANCIAL LLC3 Filed as: CLARITY, AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $78 | $78 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.08% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $196 | $9K | 42.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $53 | $4K | 16.48% |
| GCG FINANCIAL LLC3 Filed as: CLARITY AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $358 | $67 | $425 | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $84 | $84 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.08% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $172 | $8K | 36.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $53 | $3K | 14.93% |
| GCG FINANCIAL LLC3 Filed as: CLARITY AN ALERA GROUP COMPANY LLC | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $195 | $54 | $249 | 1.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $74 | $74 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15 | $15 | 0.07% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 374 | $3.3M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 374 | $3.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 372 | $257K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 372 | $257K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 372 | $257K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 372 | $257K |
| Other(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 372 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.