| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEMENS & ASSOCIATES LIFE AGENCY3 Filed as: CLEMENS AND ASSOCIATES LIFE | AGENCY, INC. 2806 E EMPIRE ST BLOOMINGTON, IL 61704 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $11K | $11K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $1K | $33K | 11.93% |
| CLEMENS & ASSOCIATES LIFE AGENCY3 Filed as: CLEMENS INSURANCE | 2806 E EMPIRE ST PO BOX 217 BLOOMINGTON, IL 61702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $1K | $32K | 11.94% |
| CLEMENS & ASSOCIATES LIFE AGENCY3 Filed as: CLEMENS INSURANCE | 2806 E EMPIRE ST PO BOX 217 BLOOMINGTON, IL 61702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $635 | $14K | 8.09% |
| CLEMENS & ASSOCIATES LIFE AGENCY3 Filed as: CLEMENS INSURANCE | 2806 E EMPIRE ST PO BOX 217 BLOOMINGTON, IL 61702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | EYEMED VISION CARE | $5K | $0 | $5K | 3.74% |
| CLEMENS & ASSOCIATES LIFE AGENCY3 Filed as: CLEMENS AND ASSOCIATES LIFE | AGENCY, INC. 2806 E EMPIRE ST BLOOMINGTON, IL 61704 | EYEMED VISION CARE | $2K | $0 | $2K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 15.24% |
| CLEMENS & ASSOCIATES LIFE AGENCY3 Filed as: CLEMENS AND ASSOCIATES LIFE | AGENCY, INC. 2806 E EMPIRE ST BLOOMINGTON, IL 61702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 15.34% |
| CLEMENS & ASSOCIATES LIFE AGENCY3 Filed as: CLEMENS AND ASSOCIATES LIFE | AGENCY, INC. 2806 E EMPIRE ST BLOOMINGTON, IL 61702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 15.25% |
| CLEMENS & ASSOCIATES LIFE AGENCY3 Filed as: CLEMENS AND ASSOCIATES LIFE | AGENCY, INC. 2806 E EMPIRE ST BLOOMINGTON, IL 61702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 4.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS, INC. | $3K | $252 | $4K | 8.99% |
| CLEMENS & ASSOCIATES LIFE AGENCY3 Filed as: CLEMENS AND ASSOCIATES LIFE | AGENCY, INC. 2806 E EMPIRE ST BLOOMINGTON, IL 61704 | METLIFE LEGAL PLANS, INC. | $644 | $0 | $644 | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $674 | $0 | $674 | 14.17% |
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 | 2,293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,443 | $595K |
| Vision | EYEMED VISION CARE | 1,859 | $126K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,293 | $277K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 785 | $265K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 843 | $168K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,579 | $1.1M |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,293 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,293 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.