| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD FLOOR 11 ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $469K | $78K | $547K | 7.36% |
| HULSEY, COREY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 4.83% |
| M.E. WILSON COMPANY, LLC3 Filed as: WILSON, JOHNNY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 1.90% |
| ADERHOLT, TIMOTHY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 1.18% |
| L H WHITAKER ENTERPRISES INC3 Filed as: WHITAKER, MIKALA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 0.84% |
| LACOUNT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.21% |
| DALE I DAVIS3 Filed as: DALE, YOLY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $665 | — | $665 | 0.09% |
| BULLOCK, MICHAEL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $297 | — | $297 | 0.04% |
| W F HILL AND ASSOCIATES INC3 Filed as: HILL, CORRIE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $274 | — | $274 | 0.04% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN, NICHOLAS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $21 | — | $21 | 0.00% |
| GIBONS, ERIN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| REEVES, RANDY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$79 | — | -$79 | -0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS, TRISTAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$411 | — | -$411 | -0.05% |
| THE CLEMONS COMPANY3 Filed as: CLEMONS, KAYNA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$836 | — | -$836 | -0.11% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$1K | — | -$1K | -0.14% |
| HULSEY, COREY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $142K | — | $142K | 22.64% |
| M.E. WILSON COMPANY, LLC3 Filed as: WILSON, JOHNNY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $61K | — | $61K | 9.75% |
| L H WHITAKER ENTERPRISES INC3 Filed as: WHITAKER, MIKALA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 5.11% |
| STRICKLAND, MEGAN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 4.23% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 3.39% |
| LACOUNT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 3.09% |
| THE CLEMONS COMPANY3 Filed as: CLEMONS, KAYNA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.08% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON, CHRISTOPHER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 0.93% |
| ADERHOLT, TIMOTHY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 0.89% |
| THOMAS W BOSTON3 Filed as: THOMAS, TRISTAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.69% |
| REEVES, RANDY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.49% |
| DALE I DAVIS3 Filed as: DALE, YOLY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $394 | — | $394 | 0.06% |
| W F HILL AND ASSOCIATES INC3 Filed as: HILL, CORRIE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $181 | — | $181 | 0.03% |
| BULLOCK, MICHAEL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $174 | — | $174 | 0.03% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON, ERIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| SILVERS, MICHAEL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| PHELPS, MITCH3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HULSEY, COREY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $72K | — | $72K | 13.67% |
| M.E. WILSON COMPANY, LLC3 Filed as: WILSON, CRAIG | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 7.91% |
| LACOUNT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 7.05% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 6.72% |
| L H WHITAKER ENTERPRISES INC3 Filed as: WHITAKER, MIKALA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 3.12% |
| THOMAS W BOSTON3 Filed as: THOMAS, TRISTAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 1.46% |
| REEVES, RANDY3 Filed as: REEVES, DAVID | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.42% |
| THE JAMES B OSWALD COMPANY3 Filed as: TAYLOR-FAGLIE, AMANDA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.33% |
| THE CLEMONS COMPANY3 Filed as: CLEMONS, KAYNA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$369 | — | -$369 | -0.07% |
| HULSEY, COREY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $210K | — | $210K | 47.98% |
| M.E. WILSON COMPANY, LLC3 Filed as: WILSON, CRAIG | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $110K | — | $110K | 25.04% |
| L H WHITAKER ENTERPRISES INC3 Filed as: WHITAKER, MIKALA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $51K | — | $51K | 11.61% |
| LACOUNT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $44K | — | $44K | 10.03% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $43K | — | $43K | 9.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK, EMMA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 9.66% |
| STRICKLAND, MEGAN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 8.64% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON, CHRISTOPHER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 6.81% |
| REEVES, RANDY3 Filed as: REEVES, DAVID | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 2.48% |
| DALE I DAVIS3 Filed as: DALE, YOLY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 2.47% |
| THOMAS W BOSTON3 Filed as: THOMAS, TRISTAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 2.26% |
| THE CLEMONS COMPANY3 Filed as: CLEMONS, KAYNA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.39% |
| HULSEY, COREY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $53K | — | $53K | 13.59% |
| M.E. WILSON COMPANY, LLC3 Filed as: WILSON, JOHNNY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 5.87% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 3.61% |
| LACOUNT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 3.59% |
| L H WHITAKER ENTERPRISES INC3 Filed as: WHITAKER, MIKALA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 2.92% |
| ADERHOLT, TIMOTHY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.82% |
| THOMAS W BOSTON3 Filed as: THOMAS, TRISTAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.80% |
| DALE I DAVIS3 Filed as: DALE, YOLY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $935 | — | $935 | 0.24% |
| REEVES, RANDY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $930 | — | $930 | 0.24% |
| BULLOCK, MICHAEL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $412 | — | $412 | 0.11% |
| W F HILL AND ASSOCIATES INC3 Filed as: HILL, CORRIE | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $30 | — | $30 | 0.01% |
| KEMP G PILE3 Filed as: KEMP, TERESA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON, ERIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| CASTRO MONROY GROUP, LLC3 Filed as: CASTRO, ANNA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| THE CLEMONS COMPANY3 Filed as: CLEMONS, KAYNA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$297 | — | -$297 | -0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 2807 CLINTON, IA 52733 | AMERITAS LIFE INSURANCE CORP. | $35K | — | $35K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD FLOOR 21 ROLLING MDWS, IL 60008 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 0.36% |
| HULSEY, COREY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $57K | — | $57K | 16.44% |
| M.E. WILSON COMPANY, LLC3 Filed as: WILSON, CRAIG | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 7.16% |
| LACOUNT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 4.58% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 4.23% |
| L H WHITAKER ENTERPRISES INC3 Filed as: WHITAKER, MIKALA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 3.74% |
| THOMAS W BOSTON3 Filed as: THOMAS, TRISTAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.97% |
| STRICKLAND, MEGAN3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.89% |
| REEVES, RANDY3 Filed as: REEVES, DAVID | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.33% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON, CHRISTOPHER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $777 | — | $777 | 0.22% |
| ADERHOLT, TIMOTHY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| ISOM, MICHAEL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$171 | — | -$171 | -0.05% |
| J BECK INC3 Filed as: BECK, ALAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$716 | — | -$716 | -0.21% |
| THE CLEMONS COMPANY3 Filed as: CLEMONS, KAYNA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$914 | — | -$914 | -0.26% |
| REEVES, RANDY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$509 | — | -$509 | -0.23% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON, ERIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$743 | — | -$743 | -0.34% |
| THE CLEMONS COMPANY3 Filed as: CLEMONS, KAYNA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$2K | — | -$2K | -0.75% |
| THOMAS W BOSTON3 Filed as: THOMAS, TRISTAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$2K | — | -$2K | -0.87% |
| L H WHITAKER ENTERPRISES INC3 Filed as: WHITAKER, MIKALA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$4K | — | -$4K | -1.91% |
| LACOUNT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$7K | — | -$7K | -3.43% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$8K | — | -$8K | -3.89% |
| M.E. WILSON COMPANY, LLC3 Filed as: WILSON, JOHNNY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$10K | — | -$10K | -4.51% |
| HULSEY, COREY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$19K | — | -$19K | -8.72% |
| REEVES, RANDY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$634 | — | -$634 | -0.38% |
| THOMAS W BOSTON3 Filed as: THOMAS, TRISTAN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$2K | — | -$2K | -1.42% |
| THE CLEMONS COMPANY3 Filed as: CLEMONS, KAYNA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$3K | — | -$3K | -1.66% |
| L H WHITAKER ENTERPRISES INC3 Filed as: WHITAKER, MIKALA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$5K | — | -$5K | -2.76% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$11K | — | -$11K | -6.49% |
| M.E. WILSON COMPANY, LLC3 Filed as: WILSON, JOHNNY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$12K | — | -$12K | -7.14% |
| LACOUNT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$12K | — | -$12K | -7.39% |
| HULSEY, COREY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$20K | — | -$20K | -12.04% |
| HULSEY, COREY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.63% |
| DALE I DAVIS3 Filed as: DALE, YOLY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.46% |
| M.E. WILSON COMPANY, LLC3 Filed as: WILSON, JOHNNY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.27% |
| REEVES, RANDY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.48% |
| L H WHITAKER ENTERPRISES INC3 Filed as: WHITAKER, MIKALA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $951 | — | $951 | 1.29% |
| ADERHOLT, TIMOTHY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $598 | — | $598 | 0.81% |
| BULLOCK, MICHAEL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $109 | — | $109 | 0.15% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD, SHELBY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $40 | — | $40 | 0.05% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN, ANGELA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| LACOUNT, WILLIAM3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| ENGLISH, LAURA3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| THE CLEMONS COMPANY3 Filed as: CLEMONS, KAYNA | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON, ERIN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$3 | — | -$3 | -0.00% |
| HULSEY, COREY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $812 | — | $812 | 1.63% |
| ADERHOLT, TIMOTHY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $502 | — | $502 | 1.01% |
| M.E. WILSON COMPANY, LLC3 Filed as: WILSON, JOHNNY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $402 | — | $402 | 0.81% |
| DALE I DAVIS3 Filed as: DALE, YOLY | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $213 | — | $213 | 0.43% |
| BULLOCK, MICHAEL3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $88 | — | $88 | 0.18% |
| REEVES, RANDY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN, DARRELL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER, DARREN | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 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 | 7,728 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 7,728 | $7.4M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 5,646 | $351K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 7,728 | $7.4M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7,728 | $7.4M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 7,728 | $7.4M |
| Stop-loss / reinsurancereinsurance | LLOYDS | 7,168 | $1.1M |
| Other(11 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 7,728 | $11.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,728 | — |
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.