| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD STE 1100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $82K | $4K | $87K | 4.00% |
| ASSURANCE AGENCY LTD3 | 20 NORTH MARTINGALE RD STE 100 SCHAUMBURG, IL 601735067 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $449 | $3K | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $607 | — | $607 | 0.58% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 NORTH MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $184 | $2K | 5.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $551 | — | $551 | 1.30% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $1K | — | $1K | 5.28% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 NORTH MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $75 | $2K | 8.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.76% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 NORTH MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $65 | $1K | 7.45% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $557 | — | $557 | 3.75% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 356 | $2.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $105K |
| Vision | VISION SERVICE PLAN | 181 | $22K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $17K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.