| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 4 WESTBROOK CORP CENTER, STE 500 WEST CHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $13K | $0 | $13K | 10.80% |
| BSP GROUP BENEFITS INC3 Filed as: BSP GROUP BENEFITS INC. | 206 S. JEFFERSON, STE 200 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $0 | $5K | $5K | 4.32% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL | 4 WESTBROOK CORP CTR, STE 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $584 | $7K | 16.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL | 206 S. JEFFERSON ST., STE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.56% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL | 4 WESTBROOK CORP CTR, STE 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $589 | $6K | 16.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL | 206 S. JEFFERSON ST., STE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 9.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL | 4 WESTBROOK CORP CTR, STE 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $445 | $5K | 16.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL | 206 S. JEFFERSON ST., STE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 9.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL | 4 WESTBROOK CORP CTR, STE 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $317 | $4K | 16.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL | 206 S. JEFFERSON ST., STE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $844 | $2K | 8.82% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL | 4 WESTBROOK CORP CTR, STE 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $261 | $3K | 16.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL | 206 S. JEFFERSON ST., STE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $799 | $696 | $1K | 9.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS, LLC | 4 WESTBROOK CORP CTR STE 500 WEST CHESTER, IL 60154 | VISION SERVICE PLAN | $574 | $0 | $574 | 4.76% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INSURANCE SERVIC | 4 WESTBROOK CORP CENTER, STE 500 WEST CHESTER, IL 60154 | VISION SERVICE PLAN | $254 | $0 | $254 | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL | 206 S. JEFFERSON ST STE 200 CHICAGO, IL 60661 | VISION SERVICE PLAN | $166 | $0 | $166 | 1.38% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL | 4 WESTBROOK CORP CTR, STE 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $865 | $83 | $948 | 16.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL | 206 S. JEFFERSON ST., STE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $288 | $221 | $509 | 8.83% |
| ASSUREDPARTNERS3 | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $476 | $0 | $476 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $159 | — | $159 | 5.01% |
| ASSUREDPARTNERS3 | 2205 POINT BOULEVARD, SUITE 200 ELGIN, IL 60123 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $911 | $0 | $911 | 30.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $304 | — | $304 | 10.01% |
| ASSUREDPARTNERS3 | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $401 | $0 | $401 | 14.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $134 | — | $134 | 5.01% |
| ASSUREDPARTNERS3 | 2205 POINT BOULEVARD, SUITE 200 ELGIN, IL 60123 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $531 | $0 | $531 | 30.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $176 | — | $176 | 9.95% |
| ASSUREDPARTNERS3 | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $182 | $0 | $182 | 15.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $61 | — | $61 | 5.03% |
| ASSUREDPARTNERS3 | 2205 POINT BOULEVARD, SUITE 200 ELGIN, IL 60123 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $138 | — | $138 | 30.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23 | — | $23 | 5.00% |
| PAUL SENEKER3 | 1033 DEMONBREUN STREET, SUITE 500 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23 | $0 | $23 | 5.00% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 174 | $119K |
| Vision | VISION SERVICE PLAN | 116 | $12K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $86K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $38K |
| Long-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $41K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.