| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $165K | $187K | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $62K | $0 | $62K | 11.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | $2K | $58K | 29.03% |
| JENNON M CARUTH3 | 1331 HEATHER COURT CHANHASSEN, MN 55317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | $0 | $56K | 28.08% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $1K | $32K | 40.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $880 | $14K | 17.68% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $280 | $4K | 32.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $134 | $2K | 14.01% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | FIRST UNUM LIFE INSURANCE COMPANY | $178 | $0 | $178 | 142.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | FIRST UNUM LIFE INSURANCE COMPANY | $76 | $0 | $76 | 60.80% |
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 | 675 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,119 | $5.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,119 | $5.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,119 | $5.8M |
| Life insurance(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 675 | $602K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 675 | $522K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 675 | $522K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 675 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,119 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.