| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CALIFORNIA PHYSICIANS SERVICE | $116K | $0 | $116K | 5.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E 1ST ST, STE 400 SANTA ANA, CA 92705 | AFLAC | $2.0M | $118K | $2.1M | 106.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | 9009 WEST LOOP STE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $38K | $38K | 2.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $0 | $19K | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $21K | $0 | $21K | 2.66% |
| EOI SERVICE COMPANY INC3 | 1820 E. FIRST ST, STE 400 SANTA ANA, CA 92705 | RELIASTAR LIFE INSURANCE COMPANY | $182K | $0 | $182K | 24.20% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $167K | $0 | $167K | 22.21% |
| BENEFIT HARBOR INSURANCE SERVICES3 Filed as: BENEFIT HARBOR INSURANCE SVCS | 5445 LEGACY DR, STE 250 PLANO, TX 75024 | RELIASTAR LIFE INSURANCE COMPANY | $38K | $0 | $38K | 5.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 900 N FRANKLIN ST SUITE 600 CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $269K | $0 | $269K | 36.75% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113K | $0 | $113K | 15.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 2.59% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST ST., STE. 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $248K | $0 | $248K | 40.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE COMPANY | $97K | $0 | $97K | 15.93% |
| ENROLLMENT FIRST INC3 | 237 GORE RD SW KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $0 | $24K | 4.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $14K | $0 | $14K | 5.00% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST ST., STE. 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $91K | $0 | $91K | 33.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | TRANSAMERICA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 13.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 20 N. MARTINGALE RD.,STE. 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $0 | $6K | 3.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $38 | $14K | 10.70% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, STE. 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 5.10% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $882 | $4K | 2.98% |
| 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 | $1K | $1K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE ROAD, SUITE 100 SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | $11K | $118 | $11K | 10.14% |
| EMPYREAN BENEFITS3 Filed as: EMPYREAN | 3010 BRIARPARK DRIVE, STE 800 HOUSTON, IL 77042 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 1.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DRIVE SUITE 100, BLDG 1 JOHNS CREEK, GA 30097 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | UNKNOWN LOVELAND, OH 45140 | METLIFE LEGAL PLANS | $0 | $9 | $9 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | $360 | $3K | 5.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | UNKNOWN UNKNOWN, IL 00000 | TRIPLE S SALUD INC | $3K | $0 | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | $600 | $4K | 7.92% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E. 1ST ST., SUITE 400 SANTA ANA, CA 92705 | HARTFORD LIFE AND ACCIDENT | $10K | $33 | $10K | 28.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 12.25% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 7.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST, STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $35 | $35 | 0.10% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 E. 1ST STREET SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 33.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 14.54% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $2K | $0 | $2K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $533 | $0 | $533 | 9.99% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | -$1 | $0 | -$1 | — |
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 | 4,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 7 carriers) | CALIFORNIA PHYSICIANS SERVICE | 254 | $6.4M |
| Dental(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 3,929 | $4.4M |
| Vision(6 contracts, 2 carriers) | AFLAC | 4,488 | $2.3M |
| Life insurance(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,331 | $2.8M |
| Short-term disability(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,331 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,331 | $1.9M |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 254 | $2.4M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,609 | $1.8M |
| Other(6 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,331 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,331 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.