| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD | 416 MAIN STREET STE 432 PEORIA, IL 616021141 | SYMETRA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 7.50% |
| MUTUAL MEDICAL3 Filed as: MUTUAL MEDICAL PLANS | 416 MAIN STREET PEORIA, IL 616021126 | SYMETRA LIFE INSURANCE COMPANY | $4K | $11K | $15K | 6.97% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 8.10% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.02% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $162K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $162K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $162K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $162K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 80 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.