| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE. STE 400 CLAYTON, MO 63105 | HUMANA HEALTH PLAN | $39K | — | $39K | 4.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | HUMANA HEALTH PLAN | $9K | — | $9K | 0.98% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA HEALTH PLAN | $3K | — | $3K | 0.33% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE. STE 400 CLAYTON, MO 63105 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 3.55% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA INSURANCE COMPANY | $883 | — | $883 | 0.32% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORAT | $10K | — | $10K | 4.59% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORAT | $76 | — | $76 | 0.03% |
| RISK CONSULTING PARTNERS LLC3 | 8112 MARYLAND AVE. STE 400 CLAYTON, MO 63105 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 3.68% |
| YOLT LLC3 | 914 VERNON AVE WINNETKA, IL 60093 | HUMANADENTAL INSURANCE COMPANY | $302 | — | $302 | 0.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | HUMANADENTAL INSURANCE COMPANY | -$73 | — | -$73 | -0.08% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 14.93% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8112 MARYLAND AVE STE 400 CLAYTON, MO 63105 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVE CLAYTON, MO 63105 | EYEMED VISION CARE | $498 | — | $498 | 4.49% |
| YOLT LLC3 Filed as: YOLT LLC - DBA DC BENEFITS CONSULTI | 1016 W JACKSON BLVD. STE 209 CHICAGO, IL 60607 | EYEMED VISION CARE | $51 | — | $51 | 0.46% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN | 86 | $1.1M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 148 | $91K |
| Vision | EYEMED VISION CARE | 202 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 187 | $51K |
| Short-term disability | STANDARD INSURANCE COMPANY | 168 | $65K |
| Long-term disability | STANDARD INSURANCE COMPANY | 152 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.