| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $50K | $0 | $50K | 2.25% |
| LEE PHYLLIS PRESTOPINE3 Filed as: LEE JEFREY CHESTER | — | BLUECROSS BLUESHIELD OF ILLINOIS | $35K | $0 | $35K | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN DBA ASSURANCE | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 2.95% |
| TRIAD BENEFITS GROUP INC3 Filed as: TRIAD FINAN INS MARKETING | 18757 BURBANK BLVD, SUITE 303 TARZANA, CA 91356 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 2.01% |
| ROGERS BENEFIT GROUP INC3 | 6100 FAIRVIEW RD, STE 285 CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 6.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $472 | $472 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $950 | $0 | $950 | 3.64% |
| TRIAD FINANCIAL INSURANCE MARK3 Filed as: TRIAD INSURANCE GROUP | 18757 BURBANK BLVD, STE 303 TARZANA, CA 91356 | VISION SERVICE PLAN | $487 | $0 | $487 | 1.87% |
| TRIAD BENEFITS GROUP INC3 Filed as: TRIAD FINAN INS MARKETING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79 | $0 | $79 | 2.35% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 343 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 181 | $183K |
| Vision | VISION SERVICE PLAN | 190 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $94K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $94K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $94K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.