| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE GROUP, INC. | 187 S SCHUYLER AVE STE 400 BOURBONNAIS, IL 60914 | ANTHEM INSURANCE COMPANIES, INC. | $24K | $0 | $24K | 2.67% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE GROUP, INC. | PO BOX 1168 BOURBONNAIS, IL 60914 | ANTHEM INSURANCE COMPANIES, INC. | — | — | $0 | 0.00% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM LIFE INSURANCE COMPANY | 187 S SCHUYLER AVE STE 400 BOURBONNAIS, IL 60914 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 8.80% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 77 | $898K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 46 | $35K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 58 | $8K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 111 | $29K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 111 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.