| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $33K | — | $33K | 3.71% |
| SPECTRUM BENEFITS LLC Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $16K | — | $16K | 3.61% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $12K | — | $12K | 2.69% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $5K | — | $5K | 1.99% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $6K | — | $6K | 3.86% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE ST STE 201 ROCKFORD, IL 61108 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.59% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $648 | — | $648 | 4.97% |
| SPECTRUM INS AGCY INC | 5301 E STATE ST STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY | 5301 E STATE ST ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 443 | 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) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | MERCYCARE INSURANCE COMPANY | 162 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $102K |
| Vision(2 contracts, 2 carriers) | MERCYCARE INSURANCE COMPANY | 443 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.