| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $148K | $0 | $148K | 3.88% |
| HUNTINGTON INSURANCE INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $2K | $2K | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE.100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $55K | $0 | $55K | 14.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $90 | $90 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC. | 7225 NORTHLAND DRIVE NORTH STE 300 MINNEAPOLIS, MN 55428 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $81 | $81 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE, STE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $20 | $20 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST, STE 100 MIAMI, FL 33178 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $10 | $10 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $6 | $6 | 0.04% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 531 | $3.8M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 531 | $3.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 296 | $372K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 296 | $372K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 296 | $372K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 296 | $372K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 296 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.