| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNYDER AND SNYDER AGENCY INC5 Filed as: SNYDER AND SNYDER AGENCY, INC. | 1 BRICKYARD DRIVE BLOOMINGTON, IL 61701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $18K | 16.49% |
| UNKNOWN3 | UNKNOWN SPRINGFIELD, IL 62701 | CINCINNATI LIFE INSURANCE | $343 | $0 | $343 | 5.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4481 ASH GROVE DRIVE, SUITE B SPRINGFIELD, IL 62711 | AFLAC | $266 | $0 | $266 | 4.75% |
| JOHN R PINE3 Filed as: JOHN R. PINE | 2125 EAST RIDGLEY AVENUE SPRINGFIELD, IL 62702 | AFLAC | $110 | $0 | $110 | 1.97% |
| BRENT L GOODE3 Filed as: BRENT L. GOODE | 2000 GLEN ECHO ROAD, SUITE 204 NASHVILLE, TN 32715 | AFLAC | $78 | $0 | $78 | 1.39% |
| CHRIS C MAST3 Filed as: CHRIS C. MAST | 225 WESTBROOK DRIVE SPRINGFIELD, IL 62702 | AFLAC | $71 | $0 | $71 | 1.27% |
| MJ INSURANCE3 Filed as: MATHEW P. GAHM AND VARIOUS AGENTS | 6524 MINERAL BELT DRIVE COLORADO SPRINGS, CO 80927 | AFLAC | $67 | $0 | $67 | 1.20% |
| GERALD R MAST3 Filed as: GERALD R. MAST | 3305 LAKEMERE DRIVE SPRINGFIELD, IL 62711 | AFLAC | $42 | $0 | $42 | 0.75% |
| GEORGE P OWENS3 Filed as: GEORGE P. OWENS | 653 NORTH ANTLER DRIVE MOUNT ZION, IL 62549 | AFLAC | $31 | $0 | $31 | 0.55% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DEARBORN LIFE INSURANCE COMPANY | 250 | $0 |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $116K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $110K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.