| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DR STE 200 ROCKFORD, IL 61108 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.36% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 | 10836 RUTHERFORD RD FT MYERS, FL 33913 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 2.03% |
| BENEFIT PLANNING SERVICES INC3 | 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 STE 600 WEST LAKE HILLS, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57 | $0 | $57 | 0.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $85 | $4K | 15.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $35 | $35 | 0.12% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DR ROCKFORD, IL 61108 | EYEMED VISION CARE | $422 | $0 | $422 | 5.05% |
| MID-AMERICA ADMINISTRATIVE SVCS INC3 Filed as: MID-AMERICA ADMINISTRATIVE SERVICES | 545 W. WISE ROAD STE 207 SCHUAMBURG, IL 60193 | EYEMED VISION CARE | $422 | $0 | $422 | 5.05% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 61 | $60K |
| Vision | EYEMED VISION CARE | 122 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $29K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 85 | $31K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.