| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG IL, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.35% |
| EOI SERVICE COMPANY INC3 | 1820E 1ST ST SUITE 400 SANTA ANA, CA 92705 | SUN LIFE ASSURANCE COMPANY OF CANADA | $246K | — | $246K | 45.41% |
| UMR, INC. | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $506 | — | $506 | 0.13% |
| ASSURANCE AGENCY LTD3 | 20 MARTINGALE RD SUITE 100 SCHAUMBURG, IL 60173 | GEISINGER HEALTH PLAN | $11K | $32 | $11K | 4.89% |
| ASSURANCE AGENCY LTD3 | 20 MARTINGALE RD SUITE 100 SCHAUMBURG, IL 60173 | GEISINGER QUALITY OPTIONS, INC. | $12K | $32 | $13K | 5.98% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E 1ST STE 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $181K | — | $181K | 95.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAMBURG, IL 60173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $18K | $18K | 9.55% |
| ASSURANCE AGENCY LTD | ONE CENTURY CENTRE 1750 EAST GOLF SCHAUMBURG, IL 60173 | FOUR EVER LIFE INS CO. | $809 | — | $809 | 15.00% |
| ASSURANCE AGENCY LTD | ONE CENTURY CENTRE 1750 EAST GOLF SCHAUMBURG, IL 60173 | FOUR EVER LIFE INS CO. | $809 | — | $809 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT STREET STE 150 WAUSAU, WI 54403 | $1.2M |
| NATIONAL COOPERATIVERX 04-3775178 | Other fees Service code 99 | — | $21K |
| NATIONAL COOPERATIVERX EIN 04-3775178 PHARMACY BENEFIT CONSULT | Other fees Service code 99 | 5510 RESEARCH PARK DR STE 150 FITCHBURG, WI 53711 | $0 |
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 | 3,104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | GEISINGER HEALTH PLAN | 47 | $471K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,710 | $879K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,710 | $879K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,471 | $568K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 492 | $125K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,605 | $3.3M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,471 | $933K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,471 | — |
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.