| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW DOWLAND3 | 14848 ROUTE 111 CHESTERFIELD, IL 62630 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.46% |
| CAROLYN REZNICEK3 | 24290 BUCKHORN LANE CARLINVILLE, IL 62626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 4.49% |
| ASSOCIATION MNG RES AMR3 | 1151 E WARRENVILLE ROAD NAPERVILLE, IL 60563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 3.33% |
| UVETA MATTHEWS NEWCOMER3 | C/O UVETA MATTHEWS NEWCOMER POPLAR BLUFF, MO 63901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.18% |
| LINDA L HAWKINS3 Filed as: LINDA HAWKINS | 505 12TH AVE WEST MILAN, IL 61264 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.18% |
| CURTIS R HAWKINS3 Filed as: CURTIS HAWKINS | 220 HANEY RD CARBONDALE, IL 62901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.15% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | 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 | 174 | $53K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.