| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $159K | $3K | $162K | 3.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC. | 500 W MADISON ST., FL 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $63K | $0 | $63K | 15.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY BUILDING 2, STE. 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF ILLINOIS | $21K | $0 | $21K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 HAMILTON AVE, STE 930 WHITE PLAINS, NY 10601 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $750 | $0 | $750 | 7.90% |
| MARSH & MCLENNAN AGENCY LLC3 | UKNOWN UKNOWN, IL 00000 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $390 | $0 | $390 | 4.11% |
| ALAN ROMAN4 | 7220 PRINCETON AVE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $62 | $0 | $62 | 0.65% |
| ANTHONY W KOEHLER4 | 766 E COUNTY ROAD 600 WARSAW, IL 62379 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | $0 | $37 | 0.39% |
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 | 322 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 664 | $4.6M |
| Dental | DELTA DENTAL OF ILLINOIS | 268 | $276K |
| Vision | VISION SERVICE PLAN | 235 | $26K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 463 | $550K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 320 | $148K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 320 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.