| 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 | $55K | $5K | $61K | 3.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 16.70% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.06% |
| CS INSURANCE STRATEGIES3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 606013613 | METROPOLITAN LIFE INSURANCE COMPANY | $659 | $0 | $659 | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 601732423 | METROPOLITAN LIFE INSURANCE COMPANY | $499 | $33 | $532 | 1.99% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 601732423 | METROPOLITAN LIFE INSURANCE COMPANY | $638 | $33 | $671 | 3.48% |
| CS INSURANCE STRATEGIES3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 606013613 | METROPOLITAN LIFE INSURANCE COMPANY | $506 | $0 | $506 | 2.62% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.24% |
| CS INSURANCE STRATEGIES3 | 150 N MICHIGAN AVE, STE 2400 CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | $608 | $0 | $608 | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $409 | $0 | $409 | 2.29% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.18% |
| UNKNOWN3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | — |
| 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 | -$9 | $0 | -$9 | — |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | -$657 | $0 | -$657 | — |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | $0 | -$1K | — |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 243 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 243 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 214 | $124K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 214 | $124K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 214 | $124K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 214 | $124K |
| Other(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 293 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.