| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES BARHAM3 | 3310 FIELDS S DR. CHAMPAIGN, IL 61822 | HEALTH ALLIANCE MEDICAL PLANS | $25K | — | $25K | 2.79% |
| BARHAM BENEFIT GROUP3 Filed as: BARHAM BENEFIT GROUP INC. | 919 W. KIRBY AVE. CHAMPAIGN, IL 61821 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 14.59% |
| BSP GROUP BENEFITS INC3 Filed as: BSP GROUP BENEFITS INC. | 206 S. JEFFERSON ST, STE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.56% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $584 | $114 | $698 | 0.57% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 240 WILSON PIKE CIR, STE 200 BRENTWOOD, TN 37027 | AFLAC | $12K | — | $12K | 47.57% |
| KELSEY DAVID EVERT3 | 2055 N. MOUNT JULIET RD, STE 201 MOUNT JULIET, TN 37122 | AFLAC | $2K | — | $2K | 6.03% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 93 | $884K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $123K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $123K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $123K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $123K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $123K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.