| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $41K | $2K | $43K | 2.66% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $3K | $3K | 0.17% |
| CS INSURANCE STRATEGIES3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 606013613 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $14 | $16K | 14.95% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $487 | $8K | 28.96% |
| CS INSURANCE STRATEGIES3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 606013613 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $14 | $3K | 10.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 601732423 | METROPOLITAN LIFE INSURANCE COMPANY | $189 | $38 | $227 | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $223 | $5K | 29.22% |
| CS INSURANCE STRATEGIES3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 606013613 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $14 | $2K | 11.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 601732423 | METROPOLITAN LIFE INSURANCE COMPANY | $78 | $38 | $116 | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.07% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 45.79% |
| CS INSURANCE STRATEGIES3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 606013613 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.26% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 237 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 237 | $1.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 133 | $18K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $109K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $109K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $109K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.