| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $50K | $20K | $71K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 MARTINGALE ROAD, STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 MARTINGALE ROAD, STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 MARTINGALE ROAD, STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 9.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 MARTINGALE ROAD, STE 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 MARTINGALE ROAD, STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA. | $803 | $0 | $803 | 2.90% |
| NATIONAL BENEFIT GROUP OF AMERICA3 | 4538 W VILLAGE DRIVE, SUITE B TAMPA, FL 33624 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 20.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 7.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 141916 CORAL GABLES, FL 33114 | TRUSTMARK INSURANCE COMPANY | $196 | $0 | $196 | 0.76% |
| NATIONAL BENEFIT GROUP OF AMERICA3 | 4538 W VILLAGE DRIVE, SUITE B TAMPA, FL 33624 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 6.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 141916 CORAL GABLES, FL 33114 | TRUSTMARK INSURANCE COMPANY | $38 | $0 | $38 | 0.22% |
| NATIONAL BENEFIT GROUP OF AMERICA3 | 4538 W VILLAGE DRIVE, SUITE B TAMPA, FL 33624 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 12.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $658 | $0 | $658 | 5.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 141916 CORAL GABLES, FL 33114 | TRUSTMARK INSURANCE COMPANY | $49 | $0 | $49 | 0.38% |
| NATIONAL BENEFIT GROUP OF AMERICA3 | 4538 W VILLAGE DRIVE, SUITE B TAMPA, FL 33624 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 21.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $790 | $0 | $790 | 8.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 141916 CORAL GABLES, FL 33114 | TRUSTMARK INSURANCE COMPANY | $92 | $0 | $92 | 0.94% |
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 | 1,434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 1,203 | $504K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,232 | $106K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,434 | $328K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,232 | $330K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,433 | $286K |
| Other(5 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,434 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,434 | — |
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.