| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF TEXAS | $75K | $13K | $88K | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | $8K | $55K | 12.62% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | $0 | $36K | 8.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 0.86% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 30 BROAD STREET, 35TH FLOOR NEW YORK, NY 10004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.74% |
| GCG FINANCIAL LLC3 Filed as: AN ALERA GROUP COMPANY | PO BOX 46122 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $392 | — | $392 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 20 NORTH MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $2K | — | $2K | 3.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $128 | — | $128 | 0.29% |
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 | 734 | 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) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 230 | $1.8M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 734 | $435K |
| Vision | VISION SERVICE PLAN | 209 | $44K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 734 | $435K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 734 | $435K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 734 | $435K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 230 | $1.8M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 734 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.