| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF IL | — | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 7.63% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENE ADMINISTRATION INC | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.00% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAH LIFE INSURANCE COMPANY | — | $961 | $961 | 4.00% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP, LLC DBA FIRS | 11000 US ROUTE 34 SUITE 1 PLANO, IL 60545 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 12.18% |
| FIRST INSURANCE GROUP LLC3 | 14010 FNB PARKWAY SUITE 300 OMAHA, NE 68145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 16.00% |
| PLANSOURCE BENEFIT ADMINISTRATION5 Filed as: PLANSOURCE BEB ADMINISTRATION INC | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.00% |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 172 | $104K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 273 | $21K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $24K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.