| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.02% |
| GCG FINANCIAL LLC3 Filed as: CLARITY, AN ALERA GROUP CO. | PO BOX 46122 EDEN PRAIRIE, MN 55347 | TRANSAMERICA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 22.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 7410096 CHICAGO, IL 60674 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $510 | $510 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $212 | $212 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP, MARSH & MCLENNAN | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $170 | $170 | 1.20% |
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 | 1,628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 14 | $146K |
| Dental | DELTA DENTAL OF ILLINOIS | 1,363 | $60K |
| Vision | VISION SERVICE PLAN | 1,167 | $136K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,628 | $212K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,343 | $335K |
| Other(4 contracts, 3 carriers) | MODERN HEALTH ARIZONA, PLLC | 1,919 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,919 | — |
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.