| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARHAM BENEFIT GROUP3 | 919 WEST KIRBY AVENUE CHAMPAIGN, IL 61821 | BLUECROSS BLUESHIELD OF ILLINOIS | $33K | $15K | $48K | 3.86% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 571 MONON TRAIL, SUITE 400 CARMEL, IN 46032 | BLUECROSS BLUESHIELD OF ILLINOIS | $16K | $3 | $16K | 1.30% |
| UNIVERSITY OF ILLINOIS COMMUNITY CU3 | 2201 SOUTH FIRST CHAMPAIGN, IL 61820 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $4 | $4 | 0.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $2K | $35K | 19.98% |
| BARHAM BENEFIT GROUP3 Filed as: BARHAM BENEFIT GROUP, INC. | 919 WEST KIRBY AVENUE CHAMPAIGN, IL 61821 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.87% |
| BSP GROUP BENEFITS INC3 Filed as: BSP GROUP BENEFITS, INC. | 8304 MANGO AVENUE MORTON GROVE, IL 60053 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.02% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | PO BOX 3430 CARMEL, IN 46082 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $27 | $6K | 3.39% |
| DAVID M CRUMLEY3 Filed as: DAVID M. CRUMLEY | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 37135 | AFLAC | $6K | $55 | $6K | 20.29% |
| STACEY M. COLE3 | 595 HICKS ROAD, APARTMENT 19I NASHVILLE, TN 37221 | AFLAC | $1K | $2 | $1K | 4.74% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 307 SOUTHGATE COURT SUITE 130 BRENTWOOD, TN 37027 | AFLAC | $665 | $0 | $665 | 2.30% |
| KELSEY DAVID EVERT3 | 2055 NORTH JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $163 | $0 | $163 | 0.56% |
| JAMES C FARMER JR3 Filed as: JAMES C. FARMER, JR | 261 CRIMSON SKY COURT DRIPPING SPRINGS, TX 78620 | AFLAC | $17 | $0 | $17 | 0.06% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | PO BOX 3430 CARMEL, IN 46082 | HEALTHIEST YOU | $1K | $0 | $1K | 6.42% |
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 | 161 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 196 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $173K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $173K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $173K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $173K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 196 | $1.2M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.