| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | HEALTH CARE SERVICE CORPORATION | $96K | $0 | $96K | 2.28% |
| JAMIESON AND ASSOCIATES LTD3 | 1120 GROVE ST DOWNERS GROVE, IL 60515 | HEALTH CARE SERVICE CORPORATION | $54K | $0 | $54K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 11.84% |
| JAMIESON AND ASSOCIATES LTD3 Filed as: JAMIESON & ASSOCIATES LTD | 1 NORTHFIELD PLAZA STE 430 NORTHFIELD, IL 60093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $212 | $4K | 4.62% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $816 | $8K | 13.20% |
| JAMIESON AND ASSOCIATES LTD3 Filed as: JAMIESON & ASSOCIATES LTD | 1 NORTHFIELD PLAZA STE 430 NORTHFIELD, IL 60093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $127 | $3K | 4.51% |
| MARSH & MCLENNAN AGENCY LLC3 | A MARSH MCLENNAN AGCY CO 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $940 | $0 | $940 | 1.75% |
| JAMIESON AND ASSOCIATES LTD3 Filed as: JAMIESON & ASSOCIATES | 1 NORTHFIELD PLAZA, SUITES 430 NORTHFIELD, IL 60093 | DEARBORN LIFE INSURANCE COMPANY | $503 | $0 | $503 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CENTURY CENTER 1750 EAST GOLD RD OSAGE BEACG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $313 | $0 | $313 | 2.12% |
| JAMIESON AND ASSOCIATES LTD3 Filed as: JAMIESON & ASSOC LTD | 1 NORTHFIELD PLAZA STE 430 NORTHFIELD, IL 60093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $123 | $0 | $123 | 0.83% |
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 | 735 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 797 | $4.2M |
| Dental(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 797 | $4.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 388 | $54K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $97K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $97K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.