| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMSDEN AND ASSOCIATES, INC.3 Filed as: LUMSDEN & ASSOCIATES, INC. | P.O. BOX 12106 SPRINGFIELD, IL 627912106 | DELTA DENTAL OF ILLINOIS | $50K | — | $50K | 5.00% |
| LUMSDEN AND ASSOCIATES, INC.3 Filed as: LUMSDEN AND ASSOCIATES INC. | PO BOX 84 SPRINGFIELD, IL 62705 | STANDARD INSURANCE COMPANY | $60K | $6K | $66K | 11.72% |
| LUMSDEN AND ASSOCIATES, INC.3 | PO BOX 84 SPRINGFIELD, IL 62705 | STANDARD INSURANCE COMPANY | $73K | $5K | $77K | 15.20% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT ADMINISTRATORS, INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | GERBER LIFE INSURANCE COMPANY | $25K | — | $25K | 5.00% |
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 | 3,228 | 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) | 3,228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE COMPANY | 1,871 | $509K |
| Dental | DELTA DENTAL OF ILLINOIS | 1,750 | $996K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,228 | $565K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,455 | $509K |
| Other | STANDARD INSURANCE COMPANY | 3,228 | $565K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,228 | — |
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.