| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $44K | — | $44K | 3.23% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $12K | $6K | $18K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | KAISER FOUNDATION HEALTH PLAN | $17K | — | $17K | 4.93% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N. MAIN ST STE 800 SANTA ANA, CA 927056687 | KAISER FOUNDATION HEALTH PLAN | $7K | — | $7K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | KAISER FOUNDATION HEALTH PLAN | $1K | — | $1K | 4.95% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY #102 ORLAND PARK, IL 60467 | EYEMED VISION CARE | $1K | — | $1K | 15.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGENC | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $1K | — | $1K | 15.16% |
| ASSUREX3 Filed as: ASSUREX GLOBAL CORPORATION | 175 SOUTH THIRD ST. STE 800 COLUMBUS, OH 43215 | EYEMED VISION CARE | $1K | — | $1K | 15.16% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 268 | $1.7M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 268 | $1.4M |
| Vision | EYEMED VISION CARE | 219 | $7K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 248 | $33K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 248 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.