| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | — | ADREM ADMINISTRATORS LLC | $52K | — | $52K | 6.25% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.42% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVLET ROAD SUITE 240 SAINT CLOUD, MN 56301 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $16 | $6K | 4.59% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.08% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | METROPOLITAN LIFE INSURANCE COMPANY | — | $852 | $852 | 0.65% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE LLC | 8770 WEST BRYN MAWR AVENUE SUITE 1290W CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | $111 | $139 | 0.11% |
| BETTER BENEFITS GROUP LLC3 | 2506 COURT STEET PEKIN, IL 61554 | AFLAC | $625 | $5 | $630 | 4.62% |
| SARAH BUSS3 | 7800 NORTH PIONEER COURT PEORIA, IL 61615 | AFLAC | $304 | $23 | $327 | 2.40% |
| TOSHA MCQUEARY3 | 7322 NORTH RADNOR ROAD APARTMENT 201 PEORIA, IL 61615 | AFLAC | $225 | — | $225 | 1.65% |
| JEFFREY BISHOP FELTER3 Filed as: JEFFREY FELTER | 1405 CRESTED IRIS WAY NORTH MYRTLE BEACH, SC 29582 | AFLAC | $213 | $2 | $215 | 1.58% |
| MICHAEL J SKOFF3 Filed as: MICHAEL SKOFF | 815 NORTH CHURCH STREET ROCKFORD, IL 61103 | AFLAC | $170 | — | $170 | 1.25% |
| RYAN M BEYER3 Filed as: RYAN BEYER | 104 MEDINA COURT EAST PEORIA, IL 61611 | AFLAC | $70 | — | $70 | 0.51% |
| ELIZABETH DIGRAZIA3 | 100 NORTHFIELD DRIVE APARTMENT 8E NORMAL, IL 61761 | AFLAC | $37 | — | $37 | 0.27% |
| PEARSON BENEFITS LLC3 | 13235 WALNUT STREET MANITO, IL 61546 | AFLAC | $23 | — | $23 | 0.17% |
| FORTNER INSURANCE AGCY INC3 | 3304 NORTH PROSPECT ROAD PEORIA, IL 61603 | AFLAC | $13 | — | $13 | 0.10% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $8 | — | $8 | 0.06% |
| CHRIS E HATHAWAY3 Filed as: CHRIS HATHAWAY | 1201 SPRINGFIELD ROAD EAST PEORIA, IL 61611 | AFLAC | $3 | — | $3 | 0.02% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | 143 WEST WARFIELD DRIVE MOORESVILLE, NC 28115 | AFLAC | $2 | — | $2 | 0.01% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $131K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $131K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $131K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $131K |
| Stop-loss / reinsurancereinsurance | ADREM ADMINISTRATORS LLC | 137 | $832K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.