| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, IL 60611 | ANTHEM INSURANCE COMPANIES, INC | $125K | $0 | $125K | 3.38% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, IL 60611 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $29 | $2K | 0.55% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, TX 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $12K | $37K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.96% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, IL 60611 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | $0 | $10K | 7.33% |
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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC | 534 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 652 | $397K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC | 652 | $4.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 502 | $248K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 502 | $248K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 502 | $248K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC | 534 | $3.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 652 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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.