| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $121K | — | $121K | 4.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $19K | — | $19K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $8K | — | $8K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON UNIT LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $5K | — | $5K | 20.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON UNIT LL2 CHICAGO, IL 60661 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN DATA CENTRE EIN 36-6095542 NONE | Other services; Direct payment from the plan; Contract Administrator Service code 13 | — | $37K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $30K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 10 | — | $29K |
| ANTHONY DEGRADO IV EIN 36-4143124 TRUSTEE | Trustee (individual) Service code 20 | — | $18K |
| THOMAS PARAVOLA NONE | Legal; Direct payment from the plan Service code 29 | PO BOX 66 ELMHURST, IL 60126 | $17K |
| FRANK SMALARZ EIN 36-4143124 TRUSTEE | Trustee (individual) Service code 20 | — | $16K |
| JOE DICARO EIN 36-4143124 TRUSTEE | Trustee (individual) Service code 20 | — | $11K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 259 | $2.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE CO | 138 | $129K |
| Vision | VISION SERVICE PLAN | 127 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 167 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 128 | $39K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE CO | 167 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.