| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEARTLAND HEALTHCARE COALITION3 | PO BOX 390 MORTON, IL 615500390 | VISION SERVICE PLAN | $51K | — | $51K | 0.50% |
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 | 67,001 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22,449 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,445 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 90,895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 15 carriers) | AETNA HEALTH, INC. | 3,552 | $110.8M |
| Vision | VISION SERVICE PLAN | 45,648 | $10.3M |
| Life insurance(2 contracts) | STATE FARM LIFE INSURANCE COMPANY | 71,824 | $34.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46,142 | $3.4M |
| Prescription drug(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,018 | $40.3M |
| Other(3 contracts, 3 carriers) | STATE FARM LIFE INSURANCE COMPANY | 71,824 | $59.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71,824 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.