| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KUHL INSURANCE AGENCY INC3 | 632 W JEFFERSON PO BOX 66 MORTON, IL 61550 | BLUECROSS BLUESHIELD OF ILLINOIS | $70K | $5K | $75K | 8.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 4.55% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $34 | $21K | 8.67% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 11.34% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN-DALLAS, TX | 8144 WALNUT HIILL LANE FLR 15 DALLAS, TX 75231 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 7.87% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 4.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 CLAIMS PROCESSOR | Direct payment from the plan; Insurance services; Contract Administrator Service code 13 | — | $303K |
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 | 698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,507 | $833K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 531 | $521K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 528 | $52K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 952 | $237K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 952 | $237K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 717 | $215K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,507 | $833K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 952 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,507 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.