| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNNING SER INC.3 | 6833 STALTER DRIVE STE 200 ROCKFORD, IL 61108 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 2.87% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 | 10836 RUTHERFORD RD FT MYERS, FL 33913 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.54% |
| BENEFIT PLANNNING SER INC.3 Filed as: BENEFIT PLANNNING SERVICES INC | 6833 STALTER DRIVE STE 200 ROCKFORD, IL 61108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 7.50% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 | 10836 RUTHERFORD RD FT MYERS, FL 33913 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 7.50% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $45 | $0 | $45 | 0.16% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 | 10836 RUTHERFORD RD FORT MYERS, FL 33913 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.50% |
| BENEFIT PLANNNING SER INC.3 Filed as: BENEFIT PLANNNING SERVICES INC. | 6833 STALTER DRIVE STE 200 ROCKFORD, IL 61108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST STE 2760 CHICAGO, IL 606614563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $637 | $0 | $637 | 2.64% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 73 | $55K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $24K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 92 | $29K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $24K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.