| 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 & BLUE SHIELD OF ILLINOIS | — | $22 | $22 | 0.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA DR BETTENDORF, IA 52722 | UNION SECURITY INSURANCE COMPANY | $25K | $0 | $25K | 8.59% |
| K B GROUP SERVICES INC3 | DBA GROUP SERVICES INC 3066 VICTORIA DR BETTENDORF, IA 52722 | UNION SECURITY INSURANCE COMPANY | $47K | $0 | $47K | 16.27% |
| K B GROUP SERVICES INC3 | DBA GROUP SERVICES INC 3066 VICTORIA DR BETTENDORF, IA 52722 | UNION SECURITY INSURANCE COMPANY | $33K | — | $33K | 18.02% |
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 | 914 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ILLINOIS | 914 | $7.5M |
| Dental | UNION SECURITY INSURANCE COMPANY | 531 | $291K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 531 | $473K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 237 | $290K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 237 | $290K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ILLINOIS | 914 | $7.5M |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 531 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 914 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.