| 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 | $34K | — | $34K | 3.84% |
| SPECTRUM BENEFITS LLC Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $18K | — | $18K | 4.29% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $10K | — | $10K | 2.95% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $4K | — | $4K | 2.01% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $4K | — | $4K | 3.14% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE ST ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 14.61% |
| 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 | $10K | — | $10K | 9.70% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY | 5301 E STATE ST ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $1K | — | $1K | 1.83% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY | 5301 E STATE ST ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $360 | — | $360 | 0.91% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE STREET STE 201 ROCKFORD, IL 61108 | MERCYCARE INSURANCE COMPANY | $1K | — | $1K | 2.80% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE AGENCY INC | 5301 E STATE ST ROCKFORD, IL 61108 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 237 | $106K |
| Vision | STANDARD INSURANCE COMPANY | 206 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 345 | $127K |
| Long-term disability | STANDARD INSURANCE COMPANY | 345 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.