| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE.100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE.100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $2 | $42K | 41.25% |
| EOI SERVICE COMPANY INC3 | 1820 E. 1ST ST. STE. 400 SANTA ANA, CA 92705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1 | $2K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, STE. 240 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.25% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST., STE. 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | -$1K | -$190 | -0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE.100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE.100 SCHAUMBURG, IL 60173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 15.28% |
| EOI SERVICE COMPANY INC3 | 1820 E. 1ST ST., STE. 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 0.97% |
| US BENTEC WORKPLACE SOLUTIONS3 | 700 W HILLSBORO BLVD DEERFIELD BEACH, FL 33441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $0 | $174 | 0.86% |
| DATA245 LLC3 Filed as: DATA245, LLC | 27864 IRMA LEE CIR LAKE FOREST, IL 60045 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 181 E. 5600 SOUTH, STE. 240 SALT LAKE UTAH, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $0 | $105 | 0.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 500 W MADISON, STE. 2760 CHICAGO, IL 60661 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.26% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST., STE. 800 BUFFALO, NY 14204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $148 | -$183 | -$35 | -0.17% |
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 | 1,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 1,569 | $106K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 90 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 46 | $69K |
| Other(5 contracts, 4 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 1,200 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,569 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.