| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASK BENEFIT SOLUTIONS INC3 Filed as: ASK BENEFIT SOLUTIONS, INC. | 1606 WILLOW VIEW RD STE 1-R URBANA, IL 618027475 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 4.75% |
| ASK BENEFIT SOLUTIONS INC3 | 1606 WILLOW VIEW RD STE 1-R URBANA, IL 618027475 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.19% |
| ASK BENEFIT SOLUTIONS INC3 | 2511 SCOVILL CIR URBANA, IL 61801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $830 | — | $830 | 6.32% |
| CREATIVE MKTG SOLUTIONS INC3 | 108 HESSEL BLVD CHAMPAIGN, IL 61622 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | — | $337 | 2.56% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.65% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.40% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $1 | $25 | 0.19% |
| ROBERT WOODARD3 | 101 BOBWHITE DR WEBB CITY, MO 64870 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JOE GORDON3 | 5417 WINTHROP AVE INDIANAPOLIS, IN 46200 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 26 | $180K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $16K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $16K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $29K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.