| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPER SERVICES LLC3 | 60 WEST SUPERIOR CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $224K | $0 | $224K | 18.69% |
| ALPER SERVICES LLC3 | 38W556 HILLTOP DR ST CHARLES, IL 60178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $9K | $54K | 11.96% |
| ALPER SERVICES LLC3 Filed as: ALPER SERVICES. LLC. | 60 W SUPERIOR STREET CHICAGO, IL 60654 | HARTFORD LIFE AND ACCIDENT | $35K | $0 | $35K | 15.00% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DR STE Q WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $26K | $273 | $27K | 13.72% |
| ALPER SERVICES LLC3 | 60 W SUPERIOR CHICAGO, IL 60654 | KANAWHA INSURANCE COMPANY | $5K | $0 | $5K | 2.35% |
| BOBETTE PUCKETT3 | 60 W SUPERIOR ST CHICAGO, IL 60654 | KANAWHA INSURANCE COMPANY | $3K | $0 | $3K | 1.35% |
| ALPER SERVICES LLC3 Filed as: ALPER SERVICES, LLC | 60 W SUPERIOR ST CHICAGO, IL 60610 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 12.18% |
| PETER H HOOPIS3 Filed as: PETER HOOPIS | 300 S WACKER DR STE 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.01% |
| DAVID A PEARRE3 Filed as: DAVID PEARRE II | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 60044 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.12% |
| LYNN FEDOR3 | 267 HIGHWAY 74 N STE 4 PEACHTREE CITY, GA 30269 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $119 | $16 | $135 | 0.11% |
| STANLEY R DOMINEY3 Filed as: STANLEY DOMINEY | 200 W FORSYTH ST STE 600 JACKSONVILLE, FL 32202 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $87 | $26 | $113 | 0.09% |
| ALPER SERVICES LLC3 | 60 W SUPERIOR CHICAGO, IL 60654 | 5STAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.73% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTER DRIVE WEST CHESTER, OH 45069 | 5STAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.60% |
| ALPER SERVICES LLC3 Filed as: ALPER SERVICES, INC. | 60 WEST SUPERIOR STREET CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALPER SERVICES BROKER | Custodial (securities) Service code 19 | 60 WEST SUPERIOR STREET CHICAGO, IL 60654 | $338K |
| TRACEY HINRICHS BROKER | Custodial (securities) Service code 19 | 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 45069 | $29K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | — | $8K |
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 | 1,019 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,019 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 610 | $453K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 610 | $453K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 991 | $491K |
| Short-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 991 | $491K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 819 | $354K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,019 | $1.2M |
| Other(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 262 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.