| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $43K | $49K | 5.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 13.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | AFLAC | $165 | $0 | $165 | 4.42% |
| MONICA L LEIVA3 | 556 N ARTESIAN AVE CHICAGO, IL 60612 | AFLAC | $132 | $0 | $132 | 3.54% |
| HENRY J SAMAAN3 | 141 W JACKSON BLVD, STE 1502 CHICAGO, IL 60604 | AFLAC | $26 | $0 | $26 | 0.70% |
| MICHAEL E MCCARTHY3 | 143 W WARFIELD DR MOORESVILLE, NC 28115 | AFLAC | $25 | $0 | $25 | 0.67% |
| OKSAN K PILAFAS3 | 838 S VILLA AVE VILLA PARK, IL 60181 | AFLAC | $15 | $0 | $15 | 0.40% |
| JV FLORIDA INSURANCE CORP3 | 2821 N OCEAN BLVD, APT 305 FT LAUDERDALE, FL 33308 | AFLAC | $14 | $0 | $14 | 0.38% |
| SCALETTA INSURANCE AGENCY INC3 | 15 N WINDSOR DR ARLINGTON HEIGHTS, IL 60004 | AFLAC | $6 | $0 | $6 | 0.16% |
| VERONICA MEDINA3 | 1740 W 48TH ST CHICAGO, IL 60609 | AFLAC | $5 | $0 | $5 | 0.13% |
| JEREMY M SKEETERS3 | 9695 W MONTE LINDO PEORIA, AZ 85383 | AFLAC | $3 | $0 | $3 | 0.08% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 342 | $947K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 342 | $947K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 342 | $947K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 176 | $124K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 176 | $124K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 176 | $124K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 176 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.