| 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 | $25K | $104K | $129K | 3.84% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | -$71 | -$2K | -$2K | -0.06% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | PRINCIPAL LIFE INSURANCE COMPANY | $40K | $0 | $40K | 14.37% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE., STE. 710 BLOOMINGTON, MN 55439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $2K | $28K | 30.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $799 | $12K | 13.07% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE., STE. 710 BLOOMINGTON, MN 55439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $862 | $15K | 39.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $310 | $6K | 16.58% |
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 | 332 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $3.4M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 332 | $317K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 332 | $278K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 332 | $278K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 442 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.