| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SER INC | 6833 STALTER DRIVE ROCKFORD, IL 61108 | HUMANA | $3K | $0 | $3K | 3.83% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 Filed as: MID-AMERICA ADMINISTRATIVE SERVICES | 10836 RUTHERFORD RD FT MYERS, FL 33913 | HUMANA | $3K | $0 | $3K | 3.58% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | HUMANA | $767 | $0 | $767 | 0.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST SUITE 2760 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 11.77% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 Filed as: MID-AMERICA ADMINISTRATIVE SERVICES | 545 W WISE RD SCHAUMBURG, IL 60193 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 11.77% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE ROCKFORD, IL 61108 | EYEMED VISION CARE | $469 | $0 | $469 | 5.86% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 Filed as: MID-AMERICA ADMINISTRATIVE SERVICES | 545 W WISE ROAD SUITE 207 SCHUAMBURG, IL 60193 | EYEMED VISION CARE | $469 | $0 | $469 | 5.86% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 139 | $86K |
| Vision | EYEMED VISION CARE | 156 | $8K |
| Life insurance | HUMANA | 139 | $86K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 71 | $24K |
| Other | HUMANA | 139 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.