| 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 | $4K | $0 | $4K | 6.15% |
| ASK BENEFIT SOLUTIONS INC3 | 1606 WILLOW VIEW ROAD, SUITE 1R URBANA, IL 61802 | ASSURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 45.59% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY D. BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 25.39% |
| ASK BENEFIT SOLUTIONS INC3 | 2511 SCOVILL CIRCLE URBANA, IL 61801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $183 | $0 | $183 | 4.76% |
| CREATIVE MARKETING SOLUTIONS INC3 | 108 HESSEL BOULEVARD CHAMPAIGN, IL 61822 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 1.48% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.75% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY D. BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.26% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.10% |
| CREATIVE MARKETING SOLUTIONS INC3 | 108 HESSEL BOULEVARD, SUITE 102 CHAMPAIGN, IL 61820 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 9.95% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $27 | $0 | $27 | 3.76% |
| JAMES H RAIRIGH3 Filed as: JAMES SAVAGE | 574 TEAL LANE TRAVERSE CITY, MI 49686 | AFLAC | $10 | $0 | $10 | 1.39% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $7 | $0 | $7 | 0.97% |
| WESLEY D. AMORE3 | 241 PEBBLE SPRINGS DRIVE TAYLORS, SC 29687 | AFLAC | $37 | $0 | $37 | 6.21% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $13 | $0 | $13 | 2.18% |
| ELAINE A WRINKLE3 Filed as: ELAINE WRINKLE | 404 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $2 | $0 | $2 | 0.34% |
| MJ INSURANCE3 Filed as: JOSEPH FEJES AND VARIOUS AGENTS | PO BOX 7767 CHAMPAIGN, IL 61826 | AFLAC | $1 | $0 | $1 | 0.17% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $63K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $63K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $68K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $67K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $67K |
| Other(6 contracts, 5 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.