| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF ILLINOIS | $130K | $2K | $132K | 6.20% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF ILLINOIS | $13K | $0 | $13K | 7.49% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD, STE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $24K | $0 | $24K | 44.98% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE, STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.98% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD, STE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $37K | $0 | $37K | 74.99% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE, STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.99% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD, STE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $18K | $0 | $18K | 50.00% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE & ASSOCIATES | 3808 W SPRINGFIELD AVE, STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD, STE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $14K | $0 | $14K | 40.00% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE, STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD, STE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | $0 | $13K | 50.00% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE, STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 19.98% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | PROTEC INSURANCE COMPANY | $2K | $0 | $2K | 9.99% |
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 | 762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 764 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 337 | $2.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 286 | $180K |
| Vision | PROTEC INSURANCE COMPANY | 265 | $22K |
| Life insurance | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 214 | $49K |
| Short-term disability | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 391 | $52K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 337 | $2.1M |
| Other(3 contracts) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 346 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.