| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF INDIANA, LLC | 1817 S NEIL ST STE 102 CHAMPAIGN, IL 618207268 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 3.73% |
| ASK BENEFIT SOLUTIONS INC3 Filed as: ASK BENEFIT SOLUTIONS, INC. | 1817 S NEIL ST STE 102 CHAMPAIGN, IL 618207268 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $1 | $3K | 1.26% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF INDIANA, LLC | DBA INSURECHAMPAIGN 1817 S NEIL ST STE 102 CHAMPAIGN, IL 618207268 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.63% |
| ASK BENEFIT SOLUTIONS INC3 | 1817 S NEIL ST STE 102 CHAMPAIGN, IL 681207268 | PRINCIPAL LIFE INSURANCE COMPANY | $426 | — | $426 | 1.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OPERATING COMPANY | 6802 PARAGON PL STE 200 RICHMOND, VA 232301655 | PRINCIPAL LIFE INSURANCE COMPANY | — | $115 | $115 | 0.51% |
| ASK BENEFIT SOLUTIONS INC3 | 2511 SCOVILL CIR URBANA, IL 61801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | — | $727 | 6.69% |
| CREATIVE MKTG SOLUTIONS INC3 | 108 HESSEL BLVD CHAMPAIGN, IL 61622 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | — | $233 | 2.14% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.47% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.32% |
| AMANDA NICOLE LAUTS3 | 103 NORTH BAYBERRY COURT BLOOMINGTON, IL 61704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 26 | $234K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 101 | $23K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 101 | $23K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 101 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.