| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTERS INSURANCE GROUP LLP3 | 201 SOUTH 5TH STREET QUINCY, IL 62301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 10.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.15% |
| SCOTT ANDALMAN3 Filed as: SCOTT W ANDALMAN | 427 FARRINGTON DRIVE LINCOLNSHIRE, IL 60069 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.00% |
| SCOTT ANDALMAN3 | 427 FARRINGTON DR LINCOLNSHIRE, IL 600692505 | VISION SERVICE PLAN | $912 | — | $912 | 5.40% |
| THE CASON GROUP INC3 Filed as: CASON HUFF AND SCHLUETER, INC | 331 S 36TH STREET, SUITE 5 QUINCY, IL 62301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $572 | — | $572 | 15.94% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 117 | $17K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $29K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 139 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $4K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.