| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ALTERNATIVES INC3 | 1400 OPUS PL STE 300 DOWNERS GROVE, IL 60515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $12K | $12K | 2.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS LLC | 1400 OPUS PL STE 300 DOWNERS GROVE, IL 60515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.74% |
| GROUP ALTERNATIVES INC3 | 1400 OPUS PL STE 830 DOWNERS GROVE, IL 60515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.44% |
| GROUP ALTERNATIVES INC3 | 1400 OPUS PL STE 830 DOWNERS GROVE, IL 60515 | PARAMOUNT DENTAL | $7K | — | $7K | 10.00% |
| DEBORAH PHELPS3 Filed as: DEBORAH C PHELPS | PO BOX 30228 INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $798 | — | $798 | 2.94% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 1.17% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 0.60% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY BRINDLE | 10811 LAKEVIEW DR CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.41% |
| GARY A INERSON3 | 516 N MARBLE WAY FORTVILLE, IN 46040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $2 | $81 | 0.30% |
| DAVID HAMPTON3 | 4910 W ARLINGTON PARK BLVD FT WAYNE, IN 46835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.21% |
| KAMI L STANLEY3 | 4520 S 49TH STREET LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.14% |
| VOLUNTARY BENEFITS SOL LLC3 Filed as: VOLUNTARY BENEFIT SOLUTIONS INC | 4533 FOX RUN ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.11% |
| CYNTHIA SUSANNE EVERY3 | 212 WEST DUNCAN MANCHESTER, MI 48158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.07% |
| JOSEPH M CUTTER3 | 5840 ARAPAHO CT ZEPHYRILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| VOLUNTARY BENEFIT PLANS LLC3 Filed as: VOLUNTARY BENEFIT PLAN LLC | 5101 DUNEWOOD WAY AVON, IN 46123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| RICHARD CLOSE3 | 4303 TRUEMAN BLVD HILLARD, OH 43026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 10589 LAGUNA CIR PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| JOE GORDON3 | 4329 GLENVIEW INDIANAPOLIS, IN 46250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| JUDITH H SKARBECK3 | 420 W SPRING MILL LANE INDIANAPOLIS, IN 46260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF IL DBA GROUP ALT | 1400 OPUS PL STE 830 DOWNERS GROVE, IL 60515 | EYEMED VISION CARE | $1K | — | $1K | 8.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF IL LLC | 1350 WEAVER PARKWAY WARRENVILLE, IL 60555 | EYEMED VISION CARE | $293 | — | $293 | 1.67% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES | 1400 OPUS PL STE 830 DOWNERS GROVE, IL 60515 | EYEMED VISION CARE | $144 | — | $144 | 0.82% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 231 | $75K |
| Vision | EYEMED VISION CARE | 207 | $17K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $85K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $85K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $85K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $569K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.