| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $160K | $20K | $180K | 1.26% |
| JDRC MANAGED SERVICES, LLC DBA CRES3 | 600 WEST FULTON STREET SUITE 800 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $13 | $13 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $12 | $12 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 5.00% |
| JOSEPH K HALEY3 Filed as: JOSEPH A SPALLINA | 111 NORTH CANAL STREET SUITE 500 CHICAGO, IL 60606 | DEARBORN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.89% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 20.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 13.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $462 | $462 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.02% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 18.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 12.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $372 | $372 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 0.01% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $355 | $355 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 0.01% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 30.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGENC | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGENC | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 50.00% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 30.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGENC | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 50.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGENC | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, A MARSH & MCLENNAN AGENC | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $880 | — | $880 | 20.01% |
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 | 2,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 59 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,746 | $14.5M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 2,746 | $14.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,765 | $117K |
| Life insurance(2 contracts) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 2,589 | $49K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 2,589 | $159K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 2,589 | $82K |
| Other(9 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,589 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,746 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.