| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING SERVICES INC3 | 929 S ALPINE RD STE 402 ROCKFORD, IL 611083960 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 15.88% |
| NFP INSURANCE SERVICES INC3 | 109 LAURENS RD SUITE 1A GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $625 | — | $625 | 0.60% |
| BENEFIT PLANNING SERVICES INC3 | 929 S ALPINE RD STE 402 ROCKFORD, IL 61108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 11.58% |
| NFP INSURANCE SERVICES INC3 | 109 LAURENS RD SUITE 1A GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $352 | — | $352 | 0.62% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP | 5301 E. STATE ST SUITE 314 ROCKFORD, IL 61108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 11.79% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES, INC. | 929 S. ALPINE ROAD SUITE 402 ROCKFORD, IL 61108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $542 | — | $542 | 2.03% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT RD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.21% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 3422 COLONY BAY DRIVE ROCKFORD, IL 61109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.08% |
| MICHAEL J SKOFF3 | 1490 FLORA CHURCH RD KIRKLAND, IL 60146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| SCOTT LYDEN3 Filed as: SCOTT F LYDEN | 1284 ROSEGATE CT AURORA, IL 60504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| PETER J TEKAMPE3 | 3422 COLONY BAY DRIVE ROCKFORD, IL 61109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| KNUTE NELSON3 Filed as: KNUTE T NELSON | 5650 W 36TH STREET ST LOUIS PARK, MN 55416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| ELIZABETH A LENZO3 | 349 E CALIFORNIA BLVD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TODD DEVOSS3 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JACQUELINE CASTRO3 | 1133 N DEARBORN ST CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP INC | 5301 E STATE STE 314 ROCKFORD, IL 61108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $872 | — | $872 | 7.00% |
| BENEFIT PLANNING SERVICES INC3 | 929 S ALPINE RD SUITE 402 ROCKFORD, IL 61108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $338 | — | $338 | 2.71% |
| BENEFIT PLANNING SERVICES INC3 | 929 S ALPINE RD ROCKFORD, IL 61108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $524 | — | $524 | 4.85% |
| WILLIAM J MORRIS3 | COLONIAL LIFE ISNURANCE CO ROCKFORD, IL 61108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.42% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 929 S. ALPINE RD SUITE 402 ROCKFORD, IL 61108 | UNITED HEALTHCARE INSURANCE COMPANY | $795 | — | $795 | 15.35% |
| TRANSAMERICA3 | 1400 CENTERVIEW LITTLE ROCK, AR 72211 | UNITED HEALTHCARE INSURANCE COMPANY | — | $268 | $268 | 5.17% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 20 | $12K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 66 | $57K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 49 | $5K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $104K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 22 | $11K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $104K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 153 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.