| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLER GROUP3 Filed as: MILLER SERVICES INC | 1645 TEMPLE LN ROCKFORD, IL 61112 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $5K | $124 | $5K | 2.02% |
| THE MILLER GROUP3 Filed as: MILLER SERVICES INC | 1645 TEMPLE LN ROCKFORD, IL 61112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 13.54% |
| M3 INSURANCE SOLUTIONS INC3 | 6952 ROTE RD ROCKFORD, IL 61112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 4.29% |
| THE MILLER GROUP3 Filed as: MILLER SERVICES, INC. | DBA 2HB HUMAN RESOURCES BENFITS 1515 S. MERIDIAN RD. ROCKFORD, IL 61102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.69% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | EXPRESS SCRIPTS, INC. | $300 | — | $300 | 1.37% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | UNITED AMERICAN INSURANCE COMPANY | $921 | — | $921 | 4.77% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 33 | $263K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 374 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $233K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $233K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $233K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 5 | $22K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.