| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $49K | $0 | $49K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 13.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | AFLAC | $751 | $0 | $751 | 11.31% |
| MONICA L LEIVA3 Filed as: MONICA LEIVA | 556 N ARTESIAN AVE CHICAGO, IL 60612 | AFLAC | $643 | $14 | $657 | 9.90% |
| HENRY J SAMAAN3 Filed as: HENRY SAMAAN | 141 W JACKSON BLVD, STE 1502 CHICAGO, IL 60604 | AFLAC | $246 | $3 | $249 | 3.75% |
| ANDREW CASPERSON3 | 325 W HURON ST, STE 215 CHICAGO, IL 60654 | AFLAC | $161 | $0 | $161 | 2.43% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | 143 W WARFIELD DR MOORESVILLE, NC 28115 | AFLAC | $13 | $3 | $16 | 0.24% |
| OKSAN PILAFAS3 | 838 S VILLA AVE VILLA PARK, IL 60181 | AFLAC | $15 | $0 | $15 | 0.23% |
| JV FLORIDA INSURANCE CORP3 | 2821 N OCEAN BLVD, APT 305 FT LAUDERDALE, FL 33308 | AFLAC | $14 | $0 | $14 | 0.21% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 203 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 203 | $1.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 175 | $131K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 175 | $131K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 175 | $131K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 175 | $131K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 175 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
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.