| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W TROXELL AND COMPANY | — | BLUECROSS BLUESHIELD OF ILLINOIS | $55K | — | $55K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J W TERRILL BENEFIT SERVICES INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $5K | — | $5K | 0.21% |
| R W TROXELL AND COMPANY | 214 S GRAND AVE W SPRINGFIELD, IL 627043839 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 100362708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $123 | — | $123 | 0.21% |
| R W TROXELL AND COMPANY | 214 SOUTH GRAND AVENUE WEST SPRINGFIELD, IL 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 630175947 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.49% |
| R W TROXELL AND COMPANY | 214 SOUTH GRAND AVENUE WEST SPRINGFIELD, IL 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 630175947 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $988 | — | $988 | 2.49% |
| R W TROXELL AND COMPANY | 214 S GRAND AVE W SPRINGFIELD, IL 627043839 | VISION SERVICE PLAN | $977 | — | $977 | 4.94% |
| MARSH & MCLENNAN AGENCY LLC Filed as: J.W. TERRILL, A MARSH & MCLENNAN AG | 825 MARYVILLE CTR DR STE 200 CHESTERFIELD, MO 630175947 | VISION SERVICE PLAN | $120 | — | $120 | 0.61% |
| R W TROXELL AND COMPANY | 214 SOUTH GRAND AVENUE WEST SPRINGFIELD, IL 62704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.86% |
| MARSH & MCLENNAN AGENCY LLC | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 630175947 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $348 | — | $348 | 1.82% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 492 | $2.6M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 171 | $58K |
| Vision | VISION SERVICE PLAN | 145 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $19K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $43K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.