| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 | 416 MAIN ST. STE 432 PEORIA, IL 61602 | SYMETRA LIFE INSURANCE COMPANY | $18K | — | $18K | 7.50% |
| MUTUAL MEDICAL | 416 MAIN ST STE 1025 PEORIA, IL 61602 | SYMETRA LIFE INSURANCE COMPANY | — | $11K | $11K | 4.49% |
| MUTUAL MEDICAL | 416 MAIN ST STE 1025 PEORIA, IL 61602 | SYMETRA LIFE INSURANCE COMPANY | — | $8K | $8K | 3.46% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS DOWNES | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | — |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $518 | $518 | — |
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 | 92 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $0 |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 92 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
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.