| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON JARED3 | UNKNOWN CHAMPAIGN, IL 61821 | HEALTH ALLIANCE MEDICAL PLANS | $38K | $0 | $38K | 3.15% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE, LLC | 928 CLINTON ROAD PARIS, IL 61944 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 11.34% |
| DAVID THOMAS KEENAN3 | UNKNOWN CHAMPAIGN, IL 61821 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.67% |
| GARY WAYNE WARE3 Filed as: GARY WAYNE WARE & ASSOCIATES, INC. | UNKNOWN CHAMPAIGN, IL 61821 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.88% |
| LARRY CREWS3 | UNKNOWN CHAMPAIGN, IL 61821 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $872 | $0 | $872 | 4.88% |
| MICHAEL PETERS & ASSOCIATES, INC.3 | UNKNOWN CHAMPAIGN, IL 61821 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $359 | $0 | $359 | 2.01% |
| NICHOLAS MEREDITH4 | 1404 NORTH FRANKLIN STREET DANVILLE, IL 61832 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $338 | $0 | $338 | 13.18% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 169 | $1.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 153 | $55K |
| Vision | VISION SERVICE PLAN | 95 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $59K |
| Short-term disability | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | 58 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $59K |
| Prescription drug | HEALTH ALLIANCE MEDICAL PLANS | 169 | $1.2M |
| Other(2 contracts, 2 carriers) | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | 58 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.