| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWESTERN INS ASSOC AGY INC3 | PO BOX 410 MINIER, IL 61759 | HUMANA INSURANCE COMPANY | $4K | $4K | $8K | 12.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.23% |
| R W GARRETT AGENCY3 | 2201 WOODLAWN ROAD #600 LINCOLN, IL 62656 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.31% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 2201 WOODLAWN ROAD LINCOLN, IL 62656 | DEARBORN LIFE INSURANCE COMPANY | $551 | — | $551 | 3.80% |
| STEPHEN R LEESMAN3 | 201 SOUTH MAIN AVENUE PO BOX 410 MINIER, IL 61759 | DEARBORN LIFE INSURANCE COMPANY | $534 | — | $534 | 3.68% |
| MUTUAL MED INSURANCE SERVICES3 Filed as: MUTUAL MED INSURANCE SERVICES LLC | 4321 EAST 60TH STREET DAVENPORT, IA 52807 | DEARBORN LIFE INSURANCE COMPANY | $179 | — | $179 | 1.23% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $796 | $3K | 21.23% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 96 | $64K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 124 | $79K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $13K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 85 | $322K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.