| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | HEALTH CARE SERVICE CORPORATION | $70K | $8K | $79K | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | HEALTH CARE SERVICE CORPORATION | $6K | $0 | $6K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 9.21% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.79% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 10.00% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 10.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES CO INC | 1820 E FIRST ST, SUITE 400 SANTA ANA, CA 92705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.38% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $941 | $0 | $941 | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.35% |
| ASSURANCE AGENCY LTD3 Filed as: ASSUERNCE AGENCY LTD | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $366 | $0 | $366 | 0.65% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES CO INC | 1820 E FIRST ST., STE 400 SANTA ANA, CA 92705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.31% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $760 | $0 | $760 | 1.42% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES CO | 1820 E FIRST ST., STE 400 SANTA ANA, CA 92705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.38% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $432 | $0 | $432 | 1.45% |
| ASSURANCE AGENCY LTD3 | 20 N. MATINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
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 | 944 | 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) | 947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 720 | $7.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 459 | $267K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 408 | $56K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 944 | $100K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 60 | $48K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 944 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 944 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.