| 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 | $186K | $3K | $189K | 3.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST, FL 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $59K | $0 | $59K | 17.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $18K | $7K | $24K | 12.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC. | 500 W MADISON ST., FL 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 19.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 11.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY, MARSH & MCLENNAN | 8144 WALNUT HILL LANE, #15 DALLAS, TX 75231 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $531 | $0 | $531 | 6.05% |
| ALAN ROMAN3 | 7220 PRINCETON AVE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | $0 | $35 | 0.40% |
| ANTHONY W KOEHLER3 | 766 E COUNTY ROAD 600 WARSAW, IL 62379 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.32% |
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 | 318 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 649 | $5.3M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 649 | $5.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 319 | $203K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 319 | $546K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 319 | $203K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 319 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.