| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| K B SERVICES INC3 | DBA GROUP SERVICES, INC 3066 VICTORIA DR. BETTENDORF, IA 52722 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $0 | $90 | $90 | 0.00% |
| K B GROUP SERVICES INC3 Filed as: K B GROUP SERVICES, INC. | DBA GROUP SERVICES, INC. 3066 VICTORIA DR. BETTENDORF, IA 52722 | UNION SECURITY INSURANCE COMPANY | $45K | — | $45K | 18.51% |
| K B GROUP SERVICES INC3 Filed as: K B GROUP SERVICES, INC. | DBA GROUP SERVICES, INC. 3066 VICTORIA DRIVE BETTENDORF, IA 52722 | UNION SECURITY INSURANCE COMPANY | $22K | $0 | $22K | 9.10% |
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 | 775 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 775 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 775 | $8.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 277 | $238K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 277 | $238K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 199 | $243K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 199 | $243K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 775 | $8.1M |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 277 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.