| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID HELLER3 | 610 ANTHONY TRAIL NORTHBROOK, IL 60062 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 15.44% |
| H GROUP BENEFITS INC3 | 610 ANTHONY TRAIL NORTBROOK, IL 60062 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.77% |
| H GROUP BENEFITS INC3 | 610 ANTHONY TRAIL NORTHBROOK, IL 60062 | PRUDENTIAL | $10K | $0 | $10K | 15.00% |
| CC SERVICES INC3 Filed as: CC SERVICES INC. | 1701 TOWANDA AVE BLOOMINGTON, IL 61701 | GUARDIAN | $9K | $0 | $9K | 14.76% |
| H GROUP BENEFITS INC3 | 610 ANTHONY TRAIL NORTHBROOK, IL 60062 | GUARDIAN | $3K | $0 | $3K | 5.24% |
| H GROUP BENEFITS INC | 610 ANTHONY TRAIL NORTHBROOK, IL 60062 | DELTA DENTAL OF ILLINOIS | $987 | $0 | $987 | 4.91% |
| CC SERVICES INC3 | 1701 TOWANDA AVE BLOOMINGTON, IL 61701 | DELTA DENTAL OF ILLINOIS | $427 | $0 | $427 | 2.12% |
| CC SERVICES INC3 | 1701 TOWANDA AVE BLOOMINGTON, IL 61701 | DELTA DENTAL OF ILLINOIS | $70 | $0 | $70 | 3.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JEFFREY W KROL & ASSOCIATES, LTD. EIN 36-3094368 NONE | Accounting (including auditing) Service code 10 | — | $85K |
| THOMAS PARAVOLA EIN 36-0522075 NONE | Legal Service code 29 | — | $77K |
| FGMK, LLC EIN 36-2929601 NONE | Accounting (including auditing) Service code 10 | — | $31K |
| JAMES MELTREGER EIN 36-6108981 OFFICER | Employee (plan) Service code 30 | — | $23K |
| VINCENT SENESE EIN 36-6108981 FAMILY | Employee (plan) Service code 30 | — | $8K |
| TAMMY HENRICHS EIN 36-6108981 OFFICER | Employee (plan) Service code 30 | — | $5K |
| JEFFREY PIERUCCI EIN 36-6108981 OFFICER | Employee (plan) Service code 30 | — | $4K |
| SHAWN FORD EMPLOYER TRUSTEE | Trustee (individual) Service code 20 | 4608 HOLLY STREET KANSAS CITY, MO 64112 | $3K |
| LANER MUCHIN, LTD. EIN 36-3088463 EMPLOYER TRUSTEE | Trustee (individual) Service code 20 | — | $2K |
| MARY MURPHY EIN 36-6108981 FAMILY | Employee (plan) Service code 30 | — | $800 |
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 | 2,117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 349 | $200K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,730 | $240K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,730 | $306K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 643 | $244K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,730 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,730 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.