| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $56K | $56K | 2.70% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | COMPANION LIFE INSURANCE COMPANY | $90K | $0 | $90K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $13K | $4K | $17K | 3.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.10% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $2K | $0 | $2K | 9.15% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $2K | $0 | $2K | 10.00% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $453 | $0 | $453 | 5.03% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $834 | $0 | $834 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STARMOUNT LIFE INSURANCE COMPANY | $771 | $270 | $1K | 14.58% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $665 | $0 | $665 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $544 | $42 | $586 | 9.66% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $363 | $57 | $420 | 6.92% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A HERNANDEZ | 6715 S KEELER AVE CHICAGO, IL 60629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $79 | $232 | 3.83% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $23 | $126 | 2.08% |
| TEKAYLA WORKS3 | 115 VILLAGE BEND DRIVE ALENXANDER, AR 72002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $5 | $114 | 1.88% |
| VALUE ADDED SOLUTIONS3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $64 | $85 | 1.40% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $29 | $84 | 1.38% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS INC. | 451 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 1.35% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $27 | $82 | 1.35% |
| JANTELLE LAVONNE BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $23 | $66 | 1.09% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $52 | $9 | $61 | 1.01% |
| VINCENT J ROWAN3 | 4447 EAST THOMPSON STREET PHILADELPHIA, PA 19137 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.23% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWINS KNOLLS ROAD COLUMBIA, MD 21045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $6 | $14 | 0.23% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $385 | $0 | $385 | 10.00% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $122 | $0 | $122 | 14.99% |
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 | 1,328 | 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) | 1,341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 276 | $2.6M |
| Dental(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,152 | $1.0M |
| Vision(4 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,152 | $936K |
| Life insurance(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,152 | $1.2M |
| Short-term disability(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,152 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 297 | $262K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 276 | $480K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 1,094 | $1.8M |
| Other(5 contracts, 4 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,152 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,152 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.