| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 | 416 MAIN ST STE 432 PEORIA, IL 616021141 | SYMETRA LIFE INSURANCE COMPANY | $19K | — | $19K | 7.50% |
| MUTUAL MEDICAL3 Filed as: MUTUAL MEDICAL PLANS | 416 MAIN ST STE 1025 PEORIA, IL 61602 | SYMETRA LIFE INSURANCE COMPANY | — | $13K | $13K | 5.16% |
| MUTUAL MEDICAL3 Filed as: MUTUAL MEDICAL PLANS | 416 MAIN STREET STE 1025 PEORIA, IL 61602 | SYMETRA LIFE INSURANCE COMPANY | — | $12K | $12K | 4.66% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 212865417 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 7.41% |
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 | 79 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 191 | $112K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 191 | $112K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 79 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.