| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWESTERN INS ASSOC AGY INC3 Filed as: MIDWESTERN INS ASSOCS INC | PO BOX 410 MINIER, IL 61759 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 3.27% |
| MIDWESTERN INS ASSOC AGY INC3 Filed as: MIDWESTERN INSURANCE ASSOCIATION AG | PO BOX 410 MINIER, IL 61759 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 11.15% |
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INS SERVICES LLC | 4321 EAST 60TH STREET DAVENPORT, IA 52807 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $955 | $3K | 16.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $651 | $2K | 20.92% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $430K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $80K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $80K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $11K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.