| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON JARED3 | WELLS FARGO INS SVS USA IL 2107 S NEIL ST CHAMPAIGN, IL 61820 | HEALTH ALLIANCE MEDICAL PLANS | $29K | — | $29K | 2.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES | 580 N 4TH STREET SUITE 400 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.45% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PAUL PETERS | 3808 W SPRINGFIELD AVE SUITE D CHAMPAIGN, IL 61822 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.05% |
| WILLIAM PRITCHARD3 | 3808 W SPRINGFIELD AVE SUITE D CHAMPAIGN, IL 61822 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $246 | — | $246 | 1.96% |
| CLARK BREEZE3 Filed as: CLARK A BREEZE | 2107 S NEIL ST CHAMPAIGN, IL 61820 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $206 | — | $206 | 1.64% |
| GARY WARE & ASSOC INC3 Filed as: GARY WARE & ASSOC | 7 DUNLAP CT, SUITE #7 SAVOY, IL 61863 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $125 | — | $125 | 1.00% |
| BENJAMIN JOSEPH MEYER3 | 7 DUNLAP CT, SUITE #7 SAVOY, IL 61863 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $89 | — | $89 | 0.71% |
| SCOTT ALLEN REMOLE3 | 7 DUNLAP CT, SUITE #7 SAVOY, IL 61863 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $60 | — | $60 | 0.48% |
| DAVID THOMAS KEENAN3 | 3808 W SPRINGFIELD AVE SUITE D CHAMPAIGN, IL 61822 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $50 | — | $50 | 0.40% |
| LORI WARE3 Filed as: LORI M WARE | 3808 W SPRINGFIELD AVE SUITE D CHAMPAIGN, IL 61822 | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 4016 CHAMPAIGN, IL 618244016 | EYEMED VISION CARE | $1K | — | $1K | 9.14% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 225 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $111K |
| Vision | EYEMED VISION CARE | 176 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $111K |
| Short-term disability | ILLINOIS MUTUAL LIFE INSURANCE COMPANY | 111 | $13K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $111K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 234 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.