| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KURT MATTHEW DORNER3 | 301 N NEIL ST STE 501 CHAMPAIGN, IL 61820 | NORTHWESTERN MUTUAL | $613 | $142 | $755 | 3.16% |
| JUSTIN J KIRBY3 Filed as: JUSTIN KIRBY | STE C 2301 VILLAGE GREEN PL CHAMPAIGN, IL 61822 | NORTHWESTERN MUTUAL | $597 | $138 | $735 | 3.08% |
| JAMES A SMITH3 | 408 S DIVISION ST MAHOMET, IL 61853 | NORTHWESTERN MUTUAL | $403 | $103 | $506 | 2.12% |
| MCCLURE FNCL GROUP INC3 | 301 N NEIL ST STE 501 CHAMPAIGN, IL 61820 | NORTHWESTERN MUTUAL | $358 | $32 | $390 | 1.63% |
| CIBC OF ILLINOIS INC3 | PO BOX 71 KANKAKEE, IL 60901 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 7.97% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $22K |
| Short-term disability | NORTHWESTERN MUTUAL | 104 | $24K |
| Long-term disability | NORTHWESTERN MUTUAL | 104 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.