| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $29K | $1K | $30K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 11.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | P.O. BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 5.45% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 4.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | PROTEC INSURANCE COMPANY | $523 | — | $523 | 11.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | PROTEC INSURANCE COMPANY | $104 | — | $104 | 2.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $61 | $10 | $71 | 14.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6 | $6 | 1.20% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 74 | $733K |
| Dental | DELTA DENTAL OF ILLINOIS | 75 | $31K |
| Vision | PROTEC INSURANCE COMPANY | 63 | $5K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 125 | $72K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 125 | $72K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 125 | $72K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 125 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.