| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGDALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGDALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGDALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF ILLINOIS | $1K | — | $1K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | DELTA DENTAL OF ILLINOIS | $906 | — | $906 | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGDALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $948 | — | $948 | 10.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGDALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $574 | — | $574 | 10.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGDALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | PROTEC INSURANCE COMPANY | $474 | — | $474 | 9.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | PROTEC INSURANCE COMPANY | $95 | — | $95 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGDALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $93 | — | $93 | 10.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W. MADISON, SUITE 2760 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110 | $11 | $121 | 16.46% |
| NFP INSURANCE SERVICES INC3 | 1250 S. CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3 | $3 | 0.41% |
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 | 78 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 48 | $524K |
| Dental | DELTA DENTAL OF ILLINOIS | 48 | $25K |
| Vision | PROTEC INSURANCE COMPANY | 36 | $5K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 89 | $9K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 79 | $33K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 79 | $33K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 11 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.