| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL, IN | 2107 S NEIL STREET CHAMPAIGN, IL 61820 | BLUECROSS BLUESHIELD OF ILLINOIS | $30K | — | $30K | 3.08% |
| BAUGHMAN GROUP3 Filed as: BAUGHMAN GROUP INC. | 821 SOUTH WEST SUITE A OLNEY, IL 62450 | BLUECROSS BLUESHIELD OF ILLINOIS | $25K | — | $25K | 2.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 2107 S NEIL STREET CHAMPAIGN, IL 61820 | BLUECROSS BLUESHIELD OF ILLINOIS | $9K | — | $9K | 0.90% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INS AGENCY, LLC | 928 CLINTON RD. PO BOX 1090 PARIS, IL 61944 | UNIUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.17% |
| GARY WARE & ASSOC INC3 Filed as: GARY WARE AND ASSOC INC | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 618228806 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.96% |
| DAVID THOMAS KEENAN3 | — | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $815 | — | $815 | 3.71% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS AND ASSOCIATES INC | — | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $483 | — | $483 | 2.20% |
| LARRY CREWS3 | 1606 S STATE STREET, SUITE 104 CHAMPAIGN, IA 60901 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $330 | — | $330 | 1.50% |
| CIBC OF ILLINOIS INC3 | 187 SOUTH SCHUYLER AVE SUITE 500 KANKAKEE, IL 60901 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE, LLC | 928 CLINTON RD. PO BOX 1090 PARIS, IL 61944 | UNIUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.88% |
| NICHOLAS MEREDITH4 | 606 SAINT ANDREWS CIRCLE RANTOUL, IL 61866 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $431 | — | $431 | 17.66% |
| GARY LONGFELLOW4 | 602 WESTERN HILLS DR. MAHOMET, IL 61853 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $75 | — | $75 | 3.07% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 137 | $964K |
| Dental | DELTA DENTAL OF ILLINOIS | 156 | $73K |
| Vision | VISION SERVICE PLAN | 99 | $12K |
| Life insurance | UNIUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $45K |
| Long-term disability | UNIUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $45K |
| Other(3 contracts, 3 carriers) | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | 95 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.