| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $104K | $2K | $106K | 3.32% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE CO | $16K | $357 | $16K | 10.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON ST STE 200 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $8K | $8K | 5.00% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE CO | $21K | $417 | $21K | 15.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON ST STE 200 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $7K | $7K | 5.00% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE COMP | $9K | $295 | $10K | 15.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON ST STE 200 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMP | — | $3K | $3K | 5.00% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE CO | $7K | $231 | $7K | 15.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON ST STE 200 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $2K | $2K | 5.00% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $150 | $5K | 15.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON ST , STE 200 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | EYE MED VISION CARE | $2K | — | $2K | 9.17% |
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 | 0 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 426 | $3.2M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE CO | 212 | $158K |
| Vision | EYE MED VISION CARE | 306 | $20K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 269 | $48K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 270 | $138K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMP | 270 | $62K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 269 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.