| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES BARHAM3 | 3310 FIELDS S DR. CHAMPAIGN, IL 61822 | HEALTH ALLIANCE MEDICAL PLANS | $34K | — | $34K | 3.78% |
| BARHAM BENEFIT GROUP3 Filed as: BARHAM BENEFIT GROUP INC. | 919 W. KIRBY AVE. CHAMPAIGN, IL 61821 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 12.20% |
| BSP GROUP BENEFITS INC3 Filed as: BSP GROUP BENEFITS INC. | 206 S. JEFFERSON ST, STE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $514 | $103 | $617 | 0.44% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 240 WILSON PIKE CIR, STE 200 BRENTWOOD, TN 37027 | AFLAC | $3K | $850 | $4K | 19.06% |
| KELSEY DAVID EVERT3 | 2055 N. MOUNT JULIET RD, STE 201 MOUNT JULIET, TN 37122 | AFLAC | $444 | $142 | $586 | 2.76% |
| JAMES C FARMER JR3 Filed as: JAMES C FARMER JR. | 641 OLD HICKORY BLVD, UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $54 | — | $54 | 0.25% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 97 | $890K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $140K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $140K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $140K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $140K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $140K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.