| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES BARHAM3 | 3310 FIELDS S DR. CHAMPAIGN, IL 61822 | HEALTH ALLIANCE MEDICAL PLANS | $34K | — | $34K | 4.27% |
| BARHAM BENEFIT GROUP3 Filed as: BARHAM BENEFIT GROUP INC. | 919 W. KIRBY AVE. CHAMPAIGN, IL 61821 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 15.52% |
| BSP GROUP BENEFITS INC3 Filed as: BSP GROUP BENEFITS INC. | 206 S. JEFFERSON ST, STE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $10K | 6.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $679 | $136 | $815 | 0.54% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 240 WILSON PIKE CIR, STE 200 BRENTWOOD, TN 37027 | AFLAC | $4K | $26 | $4K | 18.68% |
| KELSEY DAVID EVERT3 | 2055 N. MOUNT JULIET RD, STE 201 MOUNT JULIET, TN 37122 | AFLAC | $286 | — | $286 | 1.31% |
| JAMES C FARMER JR3 Filed as: JAMES C FARMER JR. | 641 OLD HICKORY BLVD, UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $20 | $6 | $26 | 0.12% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 101 | $801K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $151K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $151K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $151K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $151K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $151K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.