| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOUTHERN ILLINOIS UNDERWRITERS AGEN3 | PO BOX 463 3 CLUB CENTRE CT SUITE C EDWARDSVILLE, IL 62025 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $18K | — | $18K | 0.70% |
| CASSENS INSURANCE AGENCY8 | 400 ST. LOUIS STREET EDWARDSVILLE, IL 620251908 | DEARBORN LIFE INSURANCE COMPANY | $463 | — | $463 | 7.31% |
| SOUTHERN IL UNDERWRITERS AGENCY INC3 | P.O. BOX 463 EDWARDSVILLE, IL 62025 | DEARBORN LIFE INSURANCE COMPANY | $43 | — | $43 | 0.68% |
| CASSENS INSURANCE AGENCY3 | 400 ST. LOUIS STREET EDWARDSVILLE, IL 620251908 | DEARBORN LIFE INSURANCE COMPANY | $232 | — | $232 | 7.99% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 426 | $2.6M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 426 | $2.6M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 167 | $6K |
| Other(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 167 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.