| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY | 20 NORTH MARINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $45K | $45K | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $17K | — | $17K | 4.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $5K | $10K | $15K | 12.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 20 N. MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 4.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 20 NORTH MARTINGALE R SUITE 100 SCHAUMBURG, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY | $7K | $801 | $7K | 18.16% |
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 | 539 | 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) | 539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 667 | $4.4M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 667 | $4.2M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 135 | $41K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 508 | $393K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 508 | $393K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 508 | $393K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 667 | $4.2M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 508 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.