Form 5500 · Employee benefit plan · CHICAGO, IL
FAMILY FOCUS
The filing calls this plan FAMILY FOCUS HEALTH AND WELFARE BENEFIT PLAN.
FAMILY FOCUS of CHICAGO, IL spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 36-2166998 · plan 503 · plan year 2025, filed May 6, 2026
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2,668 other employer plans in Illinois have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 238 people.
Reported premium across the insured contracts is $3,281,584, with $45,118 in disclosed broker commissions — about 1.4% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY LLC is the broker of record on 5 of the 7 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, STANDARD INSURANCE COMPANY and AFLAC. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Dental | 256 | Jan 1, 2026 | $127,987 | $13,691 |
| STANDARD INSURANCE COMPANY | Disability | 94 | Jan 1, 2026 | $65,272 | $10,680 |
| STANDARD INSURANCE COMPANY | Life | 317 | Jan 1, 2026 | $50,936 | $8,681 |
| STANDARD INSURANCE COMPANY | Disability | 317 | Jan 1, 2026 | $63,451 | $5,561 |
| AFLAC | Disability | 61 | Jan 1, 2026 | $36,679 | $3,830 |
| STANDARD INSURANCE COMPANY | Vision | 244 | Jan 1, 2026 | $25,040 | $2,675 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 238 | Jan 1, 2026 | $2,912,219 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 170924. For the contract year on this filing, the carrier reported $127,987 in premium earned and $85,720 in claims incurred. Dividing one by the other gives 67%.
STANDARD INSURANCE COMPANY, contract 170924. For the contract year on this filing, the carrier reported $65,272 in premium earned and $59,256 in claims incurred. Dividing one by the other gives 91%.
STANDARD INSURANCE COMPANY, contract 170924. For the contract year on this filing, the carrier reported $50,936 in premium earned and $110 in claims incurred. Dividing one by the other gives 0%.
STANDARD INSURANCE COMPANY, contract 170924. For the contract year on this filing, the carrier reported $25,040 in premium earned and $11,114 in claims incurred. Dividing one by the other gives 44%.
- STANDARD INSURANCE COMPANY, contract 170924 reported $42,267 in retention.
- STANDARD INSURANCE COMPANY, contract 170924 reported $34,096 in retention.
- STANDARD INSURANCE COMPANY, contract 170924 reported $50,825 in retention.
- STANDARD INSURANCE COMPANY, contract 170924 reported $13,928 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Reported to OSHA
Reported to OSHA for 2025: 714 employees, 10 recordable cases, 152 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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