| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | $141K | $191K | 5.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $12K | $0 | $12K | 2.12% |
| ASD INSURANCE AND FINANCIAL SERVICE3 Filed as: ASD INSURANCE AND FINANCIAL SVCS | — | BLUECROSS BLUESHIELD OF ILLINOIS | $8K | $0 | $8K | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $5K | $0 | $5K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $0 | $14K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR., STE 500 SAN DIEGO, CA 92122 | SHARP HEALTH PLAN | $10K | $0 | $10K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY, SUITE 2500 HOUSTON, TX 77019 | ANTHEM LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY, SUITE 2500 HOUSTON, TX 77019 | ANTHEM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 2929 ALLEN PARKWAY, SUITE 2500 HOUSTON, TX 77019 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | MEDIEXCEL HEALTH PLAN | $1K | $0 | $1K | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $157 | $1K | 22.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $484 | $29 | $513 | 10.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $825 | $0 | $825 | 20.88% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 18100 VON KARMAN AVE, STE 850 IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $232 | $0 | $232 | 5.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $90 | $0 | $90 | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR, STE 100 SAN DIEGO, CA 92122 | STANDARD INSURANCE COMPANY | $22 | $0 | $22 | 0.56% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $5.1M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $3.5M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $3.8M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 552 | $127K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 192 | $59K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 370 | $76K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.