| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW DOWLAND3 | 14848 ROUTE 111 CHESTERFIELD, IL 62630 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.56% |
| CAROLYN REZNICEK3 | 24290 BUCKHORN LANE CARLINVILLE, IL 62626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 3.10% |
| ASSOCIATION MNG RES AMR3 | 1151 E WARRENVILLE ROAD NAPERVILLE, IL 60563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 2.40% |
| CURTIS R HAWKINS3 | 220 HANEY RD CARBONDALE, IL 62901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.33% |
| BARBARA C POWELL3 | 8 GLENCOE PL DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.31% |
| UVETA MATTHEWS NEWCOMER3 | C/O UVETA MATTHEWS NEWCOMER POPLAR BLUFF, MO 63901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $45K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.