| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 308 NORTH 21ST STREET SAINT LOUIS, MO 63103 | BLUECROSS BLUESHIELD OF ILLINOIS | $35K | $7K | $42K | 4.79% |
| BAUGHMAN GROUP3 Filed as: BAUGHMAN GROUP, INC. | UNKNOWN CHAMPAIGN, IL 61821 | BLUECROSS BLUESHIELD OF ILLINOIS | $10K | $0 | $10K | 1.19% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE, LLC | 928 CLINTON ROAD PARIS, IL 61944 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 12.31% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES, INC. | UNKNOWN CHAMPAIGN, IL 61821 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.59% |
| DAVID THOMAS KEENAN3 | UNKNOWN CHAMPAIGN, IL 61821 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $524 | $0 | $524 | 3.95% |
| LARRY CREWS3 | UNKNOWN CHAMPAIGN, IL 61821 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $309 | $0 | $309 | 2.33% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS AND ASSOCIATES, INC. | UNKNOWN CHAMPAIGN, IL 61821 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $232 | $0 | $232 | 1.75% |
| CIBC OF ILLINOIS INC3 Filed as: CIBC OF ILLINOIS, INC., | UNKNOWN CHAMPAIGN, IL 61821 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| NICHOLAS MEREDITH4 | 1404 NORTH FRANKLIN STREET DANVILLE, IL 61832 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $335 | $0 | $335 | 15.06% |
| GARY LONGFELLOW4 | 602 WESTERN HILLS DRIVE MAHOMET, IL 61853 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $69 | $0 | $69 | 3.10% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 114 | $883K |
| Dental | DELTA DENTAL OF ILLINOIS | 140 | $58K |
| Vision | VISION SERVICE PLAN | 78 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $51K |
| Short-term disability | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | 61 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $51K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 114 | $883K |
| Other(2 contracts, 2 carriers) | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | 61 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.