| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.95% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS GA LLC | 8575 W 110TH ST STE 210 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BLVD W STE 500 MINNEAPOLIS, MN 55431 | STANDARD INSURANCE COMPANY | $731 | — | $731 | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | — | $110 | $110 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.19% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS GA LLC | 8575 W. 110TH ST STE 210 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | — | $976 | $976 | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3600 AMERICAN BLVD. W STE 500 MINNEAPOLIS, MN 55431 | STANDARD INSURANCE COMPANY | $442 | $179 | $621 | 2.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | — | $298 | $298 | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.33% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS GA LLC | 8575 W 110TH ST STE 210 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | — | $752 | $752 | 3.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3600 AMERICAN BLVD. W STE 500 MINNEAPOLIS, MN 55431 | STANDARD INSURANCE COMPANY | $428 | $176 | $604 | 2.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | — | $293 | $293 | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 41.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BLVD W STE 500 MINNEAPOLIS, MN 55431 | STANDARD INSURANCE COMPANY | $2K | $738 | $3K | 13.31% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS GA LLC | 8575 W. 110TH ST. STE 210 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 10.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | — | $177 | $177 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS GA LLC | 8575 W 110TH ST STE 210 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | — | $688 | $688 | 4.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3600 AMERICAN BLVD. W STE 500 MINNEAPOLIS, MN 55431 | STANDARD INSURANCE COMPANY | $420 | $186 | $606 | 3.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | — | $310 | $310 | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $143 | — | $143 | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGENC | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $143 | — | $143 | 2.35% |
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 | 132 | 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. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 82 | $49K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 82 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 132 | $17K |
| Short-term disability | STANDARD INSURANCE COMPANY | 47 | $28K |
| Long-term disability | STANDARD INSURANCE COMPANY | 41 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
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.