| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $6K | $5K | $12K | 10.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | FIDELITY SECURITY LIFE INSURANCE | $7K | $0 | $7K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.43% |
| THOMAS C SMITH3 | PO BOX 40386 NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | $0 | $112 | 1.04% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC. | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $730 | $0 | $730 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CRUM & FORESTER | $213 | $0 | $213 | 10.00% |
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 | 609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 147 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $744K |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 319 | $107K |
| Vision | VISION SERVICE PLAN | 175 | $18K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 63 | $53K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 63 | $53K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE | 124 | $99K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 117 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.