| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.64% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 Filed as: MID-AMERICA ADMINISTRATIVE SERVICES | 10836 RUTHERFORD ROAD FORT MYERS, FL 33913 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.25% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 7.50% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 Filed as: MID-AMERICA ADMINISTRATIVE SERVICES | 10836 RUTHERFORD ROAD FORT MYERS, FL 33913 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 7.50% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $53 | $53 | 0.17% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 Filed as: MID AMERICA ADMN SVC INC | 545 W WISE ROAD SUITE 207 SCHAUMBURG, IL 60193 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.50% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | -$444 | $2K | 6.00% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE ROCKFORD, IL 61108 | EYEMED VISION CARE | $592 | $0 | $592 | 6.14% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 Filed as: MID-AMERICA ADMINISTRATIVE SERVICES | 545 W WISE ROAD SUITE 207 SCHUAMBURG, IL 60193 | EYEMED VISION CARE | $444 | $0 | $444 | 4.60% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 87 | $55K |
| Vision | EYEMED VISION CARE | 145 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $30K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 100 | $32K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.