| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFIT GROUP OF AMERICA3 | 3820 NORTHDALE BLVD, SUITE 103 TAMPA, FL 33624 | TRUSTMARK INSURANCE COMPANY | $20K | $0 | $20K | 26.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 222 S RIVERSIDE PLAZA, SUITE 900 CHICAGO, IL 60606 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 4.82% |
| NATIONAL BENEFIT GROUP OF AMERICA3 | 3820 NORTHDALE BLVD, SUITE 103 TAMPA, FL 33624 | TRUSTMARK INSURANCE COMPANY | $11K | $0 | $11K | 16.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 222 S RIVERSIDE PLAZA, SUITE 900 CHICAGO, IL 60606 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 5.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 2.05% |
| NATIONAL BENEFIT GROUP OF AMERICA3 | 3820 NORTHDALE BLVD, SUITE 103 TAMPA, FL 33624 | TRUSTMARK INSURANCE COMPANY | $11K | $0 | $11K | 20.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 4.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 222 S RIVERSIDE PLAZA, SUITE 900 CHICAGO, IL 60606 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 4.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED | $4K | $0 | $4K | 9.78% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $418 | $0 | $418 | 1.02% |
| NATIONAL BENEFIT GROUP OF AMERICA3 | 3820 NORTHDALE BLVD, SUITE 103 TAMPA, FL 33624 | TRUSTMARK INSURANCE COMPANY | $6K | $0 | $6K | 21.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 222 S RIVERSIDE PLAZA, SUITE 900 CHICAGO, IL 60606 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 6.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $875 | $0 | $875 | 3.12% |
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 | 824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 856 | $215K |
| Vision | EYEMED | 1,293 | $41K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 824 | $367K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 824 | $289K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 824 | $289K |
| Other(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 824 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,293 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.