| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAMS-MANNY INC3 Filed as: WILLIAMS MANNY | 555 S. PERRYVILLE RD ROCKFORD, IL 61108 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $6K | $6K | 0.13% |
| WILLIAMS-MANNY INC0 Filed as: WILLIAMS MANNY INC | PO BOX 5466 ROCKFORD, IL 61125 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $17K | $35K | 10.06% |
| WILLIAMS-MANNY INC3 Filed as: WILLIAMS MANNY INC | 555 S PERRYVILLE ROAD ROCKFORD, IL 61108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $626 | — | $626 | 0.75% |
| WILLIAMS-MANNY INC3 Filed as: WILLIAMS MANNY INC | 555 S. PERRYVILLE RD ROCKFORD, IL 61108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $374 | — | $374 | 0.75% |
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 | 1,137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,037 | $4.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 862 | $348K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 862 | $348K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 582 | $50K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 582 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,037 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.