| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING ASSOCIATES3 Filed as: BENEFIT PLANNING ASSOC, INC | 712 IAA DRIVE BLOOMINGTON, IL 61702 | HEALTH CARE SERVICE CORPORATION | $97K | $2K | $99K | 4.07% |
| MARK TELLKAMP3 | 1005 HERBERT ST APT 1 PERU, IL 61354 | STANDARD INSURANCE COMPANY | $19K | $626 | $20K | 12.28% |
| MARK TELLKAMP3 | 1005 HERBERT ST APT 1 PERU, IL 61354 | STANDARD INSURANCE COMPANY | $13K | $998 | $14K | 11.69% |
| MARK TELLKAMP3 | 1005 HERBERT ST APT 1 PERU, IL 61354 | STANDARD INSURANCE COMPANY | $5K | $386 | $6K | 12.23% |
| MARK TELLKAMP3 | 1005 HERBERT ST APT 1 PERU, IL 61354 | STANDARD INSURANCE COMPANY | $8K | $286 | $8K | 22.48% |
| FIRST STATE INSURANCE LLC3 Filed as: FIRST STATE INSURANCE | PO BOX 497 MENDOTA, IL 61342 | HARTFORD LIFE AND ACCIDENT | $567 | — | $567 | 14.99% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 319 | $2.4M |
| Dental | STANDARD INSURANCE COMPANY | 221 | $162K |
| Vision | STANDARD INSURANCE COMPANY | 220 | $36K |
| Life insurance | STANDARD INSURANCE COMPANY | 210 | $120K |
| Long-term disability | STANDARD INSURANCE COMPANY | 210 | $47K |
| Other | HARTFORD LIFE AND ACCIDENT | 210 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.