| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETH AHRENDT3 | HYLANT GROUP, INC. 811 MADISON AVE TOLEDO, OH 436045684 | SIDECAR HEALTH INSURANCE COMPANY | $161K | — | $161K | 2.95% |
| SKIP SCHRAYER3 | ASSOCIATED AGENCIES, INC. 1701 GOLF ROAD, SUITE 3-700 ROLLING MEADOWS, IL 60008 | SIDECAR HEALTH INSURANCE COMPANY | $35K | — | $35K | 0.65% |
| HYLANT GROUP INC3 | KME INSURANCE BROKERAGE 125 S WACKER DR CHICAGO, IL 606064424 | PRINCIPAL LIFE INSURANCE COMPANY | $63K | $10K | $73K | 11.35% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $28K | $28K | 4.41% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD SUITE 3-700 ROLLING MEADOWS, IL 600084267 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.49% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS EIN 33-0330036 NONE | Plan Administrator Service code 14 | — | $163K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | — | $29K |
| FCE FINANCIAL SERVICES EIN 80-0636312 NONE | Other services Service code 49 | — | $17K |
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 | 1,166 | 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) | 1,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIDECAR HEALTH INSURANCE COMPANY | 849 | $5.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 962 | $639K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 962 | $639K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 962 | $639K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 962 | $639K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 962 | $639K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 962 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.