| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | HEALTH CARE SERVICE CORPORATION | $74K | $0 | $74K | 0.99% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | HEALTH CARE SERVICE CORPORATION | $0 | $6K | $6K | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | $10K | $49K | 16.38% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 10.00% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 10.00% |
| 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 | 3.50% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $746 | $0 | $746 | 1.50% |
| 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 | 3.50% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $694 | $0 | $694 | 1.50% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES CO INC | 1820 E FIRST ST, SUITE 400 SANTA ANA, CA 92705 | COMBINED INSURANCE | $834 | $0 | $834 | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | UKNOWN UKNOWN, IL 00000 | COMBINED INSURANCE | $268 | $0 | $268 | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | COMBINED INSURANCE | $144 | $0 | $144 | 0.46% |
| 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 | $912 | $0 | $912 | 3.50% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $391 | $0 | $391 | 1.50% |
| 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 | 967 | 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) | 970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 682 | $7.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 515 | $298K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 515 | $298K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 954 | $114K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $35K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,448 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,448 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.