| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $51K | $0 | $51K | 2.18% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC. | — | BLUECROSS BLUESHIELD OF ILLINOIS | $39K | $2K | $40K | 1.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 7410096 CHICAGO, IL 60674 | HUMANA INSURANCE COMPANY | $7K | $0 | $7K | 6.29% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES | TOWER 3, 7TH FLOOR 1701 GOLF ROAD ROLLING MEADOWS, IL 60008 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 4.47% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 8.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.02% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 4.82% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $882 | $0 | $882 | 4.95% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES | 1701 GOLF ROAD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | EYEMED | $868 | $0 | $868 | 4.99% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $812 | $0 | $812 | 8.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $474 | $0 | $474 | 5.07% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 311 | $2.4M |
| Dental | HUMANA INSURANCE COMPANY | 171 | $107K |
| Vision | EYEMED | 265 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $66K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 50 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 39 | $18K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.