| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 20 N. MARTIINGALE RD., STE 100 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN INC | $73K | — | $73K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | KAISER FOOUNDATION HEALTH PLAN INC | $38K | — | $38K | 5.25% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | AETNA HEALTH | $33K | — | $33K | 5.01% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | AETNA LIFE INSURANCE CO | $32K | $1K | $34K | 6.60% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 7.26% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE CO | 1820 1ST ST., STE 400 SANTA ANA, CA 92705 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $905 | $905 | 0.43% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $673 | — | $673 | 7.31% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | BLUE CROSS OF CALIFORNIA | $9K | — | $9K | — |
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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 371 | $3.3M |
| Dental | AETNA LIFE INSURANCE CO | 371 | $509K |
| Vision | VISION SERVICE PLAN | 60 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 603 | $209K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 603 | $209K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 603 | $209K |
| Other | HARTFORD LIFE AND ACCIDENT | 603 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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."
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.