| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 NORTH MARTINGALE ROAD STE 100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $15K | — | $15K | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD STE100 SCHAUMBURG, IL 60173 | UNUM LIFE LINSURANCE | $6K | $4K | $10K | 4.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROADE STE 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $4K | — | $4K | 6.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD STE 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $1K | — | $1K | 13.53% |
| LANNY D. LEVIN AGENCY, INC.3 Filed as: LANNY D. LEVIN AGENCY INC. | 1751 LAKE COOK ROAD DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $11 | — | $11 | 0.13% |
| THE PIETSCH FINANCIAL GROUP3 | 1751 LAKE COOK ROAD DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $6 | — | $6 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $61K |
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 | 2,234 | 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) | 2,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,234 | $11.3M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,234 | $11.3M |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,017 | $60K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,017 | $60K |
| Long-term disability | UNUM LIFE LINSURANCE | 0 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,234 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.