| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN SNELLINGS INSURANCE AGENCY INC3 | 1117 PERIMETER CTR W STE W101 ATLANTA, GA 30338 | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | — | $11K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUECROSS BLUESHIELD OF ILLINOIS | $8K | $1K | $10K | 1.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $3K | $3K | 0.48% |
| JOHN SNELLINGS INSURANCE AGENC3 | P.O. BOX 661061 DALLAS, TX 752661061 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 13.33% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 | P.O. BOX 661061 DALLAS, TX 752661061 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 3.59% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.28% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 | DBA SNELLINGS WALTERS INS AGEN 1117 PERIMETER CTR W STE W101 ATLANTA, GA 30338 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.33% |
| MARSH & MCLENNAN AGENCY LLC3 | A MARSH AND MCLENNAN AGCY CO PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.21% |
| JOHN SNELLINGS INS AGCY INC3 | PO BOX 661061 DALLAS, TX 75266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $913 | — | $913 | 20.00% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 191820272 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $137 | $137 | 3.00% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | $671 | — | $671 | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD #100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $238 | $92 | $330 | 7.74% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $0 | $258 | $258 | 6.05% |
| SNELLING WALTERS INSURANCE AGENCY3 | 1117 PERIMETER CTR W STE W101 ATLANTA, GA 30338 | STANDARD INSURANCE COMPANY | $210 | — | $210 | 4.93% |
| ADP INC3 | ATTN CLIENT AR # 1640801 PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $205 | $205 | 4.81% |
| JOHN SNELLINGS INS AGCY INC3 | PO BOX 661061 DALLAS, TX 72566 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $757 | — | $757 | 19.99% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 191820272 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $114 | $114 | 3.01% |
| JOHN SNELLINGS INS AGCY INC3 | PO BOX 661061 DALLAS, TX 75266 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $584 | — | $584 | 20.01% |
| ADP INC3 | PO BOX 830272 PHILADELPHIA, PA 191820272 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $88 | $88 | 3.02% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 199 | $600K |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 312 | $678K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 312 | $116K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 312 | $116K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 312 | $116K |
| Other(6 contracts, 4 carriers) | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 312 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.