| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 NORTH MARTINGALE ROAD ONE CENTURY CENTRE SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $32K | — | $32K | 4.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $562 | $4K | 8.84% |
| THE PROVANT GROUP LLC3 Filed as: THE PROVANT GROUP, LLC | 351 WEST HUBBARD STREET SUITE 708 CHICAGO, IL 60654 | STARMOUNT LIFE INSURANCE COMPANY | $524 | — | $524 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $372 | $3K | 9.58% |
| THE PROVANT GROUP LLC3 Filed as: THE PROVANT GROUP, LLC | 351 WEST HUBBARD STREET SUITE 708 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $417 | — | $417 | 1.30% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $471 | — | $471 | 6.77% |
| RIVER POINT INSURANCE SERVICE3 Filed as: RIVER POINT INSURANCE | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | VISION SERVICE PLAN | $228 | — | $228 | 3.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $77 | $1K | 20.10% |
| THE PROVANT GROUP LLC3 Filed as: THE PROVANT GROUP, LLC | 351 WEST HUBBARD STREET SUITE 708 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $178 | — | $178 | 3.04% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | 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 |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 166 | $785K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 95 | $43K |
| Vision | VISION SERVICE PLAN | 82 | $7K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $38K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $32K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.