| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $178K | $3K | $181K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC PA | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $12K | $8K | $20K | 6.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $53 | $18K | 9.73% |
| 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 | $2K | $2K | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $164 | $164 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $3K | $0 | $3K | 11.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $53 | $2K | 14.77% |
| 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 | $146 | $146 | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.08% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | -$158 | $0 | -$158 | -1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | METROPOLITAN GENERAL INSURANCE COMPANY | $886 | $0 | $886 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF AGENCIES, INC. | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $29 | $29 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA TWO 250 PEHLE AVE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $13 | $13 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $2 | $2 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $53 | $1K | — |
| 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 | $149 | $149 | — |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | — |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | -$44 | $0 | -$44 | — |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $53 | $4K | — |
| 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 | $282 | $282 | — |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23 | $23 | — |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $12 | $0 | $12 | — |
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 | 509 | 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) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 840 | $4.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 791 | $184K |
| Vision | EYEMED | 646 | $29K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 494 | $292K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 494 | $292K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 494 | $292K |
| Other(6 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 494 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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.