| 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 | $36K | — | $36K | 3.89% |
| SPECTRUM BENEFITS LLC Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $19K | — | $19K | 3.91% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $11K | — | $11K | 3.09% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $4K | — | $4K | 1.87% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $4K | — | $4K | 3.20% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE ST ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE ST ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 15.55% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE ST ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE ST ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $726 | — | $726 | 5.63% |
| SPECTRUM INS AGCY INC | 5301 E STATE ST STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $309 | — | $309 | 3.34% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY | 5301 E STATE ST ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $168 | — | $168 | 1.87% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY | 5301 E STATE ST ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $135 | — | $135 | 4.37% |
| 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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts) | MERCYCARE INSURANCE COMPANY | 153 | $1.9M |
| Dental | STANDARD INSURANCE COMPANY | 273 | $107K |
| Vision(2 contracts, 2 carriers) | MERCYCARE INSURANCE COMPANY | 236 | $260K |
| Life insurance | STANDARD INSURANCE COMPANY | 357 | $95K |
| Long-term disability | STANDARD INSURANCE COMPANY | 357 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
No prospect flags tripped on this filing.