| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASK BENEFIT SOLUTIONS INC3 | 1606 WILLOW VIEW ROAD, SUITE 1R URBANA, IL 61802 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.08% |
| ASK BENEFIT SOLUTIONS INC3 | 2511 SCOVILL CIRCLE URBANA, IL 61801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $774 | $0 | $774 | 6.55% |
| CREATIVE MARKETING SOLUTIONS INC3 | 108 HESSEL BOULEVARD, SUITE 202 CHAMPAIGN, IL 61820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $157 | $0 | $157 | 1.33% |
| DWIGHT GOSSETT3 Filed as: DWIGHT D. GOSSETT | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 0.87% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $2 | $32 | 0.27% |
| MJ INSURANCE3 Filed as: JEFFREY BRINDLE AND VARIOUS AGENTS | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.25% |
| DWIGHT GOSSETT3 Filed as: DWIGHT D. GOSSETT | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $31 | $0 | $31 | 3.00% |
| JAMES A SMAARDYK3 Filed as: JAMES A. SMAARDYK | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $13 | $0 | $13 | 1.26% |
| GLENN TADLOCK3 Filed as: GLENN E. TADLOCK | 1461 PINE AVENUE RANTOUL, IL 61886 | AFLAC | $10 | $0 | $10 | 0.97% |
| MJ INSURANCE3 Filed as: CURTIS WHEAT AND VARIOUS AGENTS | 507 HORSESHOE LANE CASEY, IL 62420 | AFLAC | $10 | $0 | $10 | 0.97% |
| JAMES H RAIRIGH3 Filed as: JAMES L. SAVAGE | 524 TEAL LANE TRAVERSE CITY, MI 49686 | AFLAC | $9 | $0 | $9 | 0.87% |
| USI INSURANCE SERVICES LLC3 | 2107 SOUTH NEIL STREET, SUITE A CHAMPAIGN, IL 61820 | AFLAC | $7 | $0 | $7 | 0.68% |
| EDWARD AYERS3 Filed as: EDWARD T. AYERS | 817 BALBOA ROAD CHAMPAIGN, IL 61820 | AFLAC | $7 | $0 | $7 | 0.68% |
| CREATIVE MARKETING SOLUTIONS INC3 | 108 HESSEL BOULEVARD, SUITE 202 CHAMPAIGN, IL 61820 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 9.95% |
| WESLEY D. AMORE3 | 241 PEBBLE SPRINGS DRIVE TAYLORS, SC 29687 | AFLAC | $34 | $0 | $34 | 5.90% |
| JAMES A SMAARDYK3 Filed as: JAMES A. SMAARDYK | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $12 | $0 | $12 | 2.08% |
| HARRY HOAGLAND3 Filed as: HARRY H. HOAGLAND | 604 NORTH NEW STREET CHAMPAIGN, IL 61820 | AFLAC | $5 | $0 | $5 | 0.87% |
| MJ INSURANCE3 Filed as: ELAINE WRINKLE AND VARIOUS AGENTS | 404 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $5 | $0 | $5 | 0.87% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $126K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $126K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $138K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $138K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $138K |
| Other(5 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 235 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.