| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CC SERVICES INC3 Filed as: CC SERVICES INC. | 1701 TOWANDA AVE BLOOMINGTON, IL 61701 | GUARDIAN | $12K | $0 | $12K | 20.00% |
| CC SERVICES INC3 | 1701 TOWANDA AVE BLOOMINGTON, IL 61701 | DELTA DENTAL OF ILLINOIS | $1K | $0 | $1K | 3.78% |
| CC SERVICES INC3 | 1701 TOWANDA AVE BLOOMINGTON, IL 61701 | DELTA DENTAL OF ILLINOIS | $277 | $0 | $277 | 6.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JEFFREY W KROL & ASSOCIATES, LTD. EIN 36-3094368 NONE | Accounting (including auditing) Service code 10 | — | $63K |
| THOMAS PARAVOLA EIN 36-0522075 NONE | Legal Service code 29 | — | $31K |
| FGMK, LLC EIN 36-2929601 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| LANER MUCHIN, LTD. EIN 36-3088463 EMPLOYER TRUSTEE | Trustee (individual) Service code 20 | — | $3K |
| SHAWN FORD EMPLOYER TRUSTEE | Trustee (individual) Service code 20 | 4608 HOLLY STREET KANSAS CITY, MO 64112 | $3K |
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 | 2,149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF ILLINOIS | 21 | $38K |
| Vision | GUARDIAN | 1,948 | $58K |
| Life insurance | GUARDIAN | 1,948 | $58K |
| Other | GUARDIAN | 1,948 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,948 | — |
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.