| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COYLE-KILEY INSURANCE AGENCY INC3 Filed as: COYLE-KILEY INSURANCE AGENCY | 810 N ALPINE ROAD ROCKFORD, IL 611073673 | HUMANA HEALTH PLAN, INC | $49K | — | $49K | 5.00% |
| COYLE-KILEY INSURANCE AGENCY INC3 Filed as: COYLE-KILEY INSURANCE AGENCY | 810 N ALPINE ROAD ROCKFORD, IL 611073673 | HUMANA INSURANCE COMPANY | $8K | $2K | $10K | 10.11% |
| COYLE-KILEY INSURANCE AGENCY INC3 | 810 N ALPINE RD ROCKFORD, IL 61107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $720 | $4K | 10.18% |
| COYLE-KILEY INSURANCE AGENCY INC3 | 810 N ALPINE RD ROCKFORD, IL 61107 | DEARBORN LIFE INSURANCE COMPANY | $556 | — | $556 | 13.63% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 126 | $989K |
| Dental | HUMANA INSURANCE COMPANY | 235 | $99K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 290 | $104K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 290 | $104K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 239 | $39K |
| Prescription drug | HUMANA HEALTH PLAN, INC | 126 | $989K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 290 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.