| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | HEALTH CARE SERVICE CORPORATION | $132K | $0 | $132K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 E. WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | HEALTH CARE SERVICE CORPORATION | $29K | $5K | $34K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | $0 | $45K | 8.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 4.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 E. WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 2.82% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $6K | $0 | $6K | 10.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1000 E. WARRENVILLE RD., STE. 230 NAPERVILLE, IL 60563 | EYEMED | $988 | $0 | $988 | 1.62% |
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 | 917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,201 | $5.7M |
| Dental | HEALTH CARE SERVICE CORPORATION | 1,201 | $5.7M |
| Vision | EYEMED | 907 | $61K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 665 | $503K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 665 | $503K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 665 | $503K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 665 | $503K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,201 | — |
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.