| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP LLC DBA FNIC | 11000 E US ROUTE 34 STE 1 PLANO, IL 60545 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $43K | — | $43K | 5.51% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 SUITE 1 PLANO, IA 60545 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.57% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 SUITE 1 PLANO, IL 60545 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.91% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 SUITE 1 PLANO, IL 60545 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.06% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 SUITE 1 PLANO, IL 60545 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.12% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 STE 1 PLANO, IL 60545 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $779 | — | $779 | 15.01% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 STE 1 PLANO, IL 60545 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $426 | — | $426 | 15.01% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 SUITE 1 PLANO, IL 60545 | STANDARD INSURANCE COMPANY | $168 | — | $168 | 9.98% |
| FIRST INSURANCE GROUP LLC3 | 11000 E RT 34 STE 1 PLANO, IL 60545 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $131 | — | $131 | 14.94% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 143 | $780K |
| Dental | STANDARD INSURANCE COMPANY | 108 | $40K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 138 | $12K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 198 | $34K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 198 | $61K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 198 | $36K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 143 | $780K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $877 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.