| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL BENEFIT ADMINISTRATORS | 900 JORIE BLVD, STE 250 OAK BROOK, IL 60523 | PROFESSIONAL BENEFIT ADMINISTRATORS | $0 | $94K | $94K | 14.71% |
| PROFESSIONAL BENEFIT ADMINISTRATION3 | 900 JORIE BLVD, STE 250 OAKBROOK, IL 60523 | WESTPORT INSURANCE CORPORATION | $550 | — | $550 | 0.10% |
| CROSE INSURANCE AGENCY3 | PO BOX 761 DANVILLE, IL 61834 | DELTA DENTAL OF ILLINOIS | $4K | $0 | $4K | 3.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | DELTA DENTAL OF ILLINOIS | $2K | $0 | $2K | 1.95% |
| JAMES D CROSE3 | PO BOX 761 DANVILLE, IL 61834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.28% |
| SANFORD GARY GOLDBERG3 | 17A S SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $621 | $158 | $779 | 0.80% |
| CURTIS R HAWKINS3 | 220 HANEY ROAD CARBONDALE, IL 62901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $0 | $400 | 0.41% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | 3377 B HIGHWAY E PERRYVILLE, MO 63775 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | $23 | $380 | 0.39% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE FIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | $65 | $361 | 0.37% |
| LISA D NISWONGER3 | 2711 THOMAS DRIVE CAPE GIRADEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $52 | $292 | 0.30% |
| CAROLYN REZNICEK3 | 24290 BUCKHORN LANE CARLINVILLE, IL 62626 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.03% |
| LAWRENCE A SCHRADER3 | 5631 CHALET FOREST DRIVE ST. LOUIS, MO 63129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.02% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| UVETA MATTHEWS NEWCOMER3 | C/O UVETA MATTHEWS NEWCOMER POPLAR BLUFF, MO 63901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| R W GARRETT AGENCY Filed as: RW GARRETT AGENCY | 2201 WOODLAWN ROAD PO BOX 370 LINCOLN, IL 626250370 | DEARBORN NATIONAL | $2K | $858 | $3K | 19.48% |
| GROUP MARKETING SERVICES INC3 | 2201 WOODLAWN ROAD LINCOLN, IL 626569645 | DEARBORN NATIONAL | $0 | $601 | $601 | 3.76% |
| JAMES D CROSE | PO BOX 761 DANVILLE, IL 61834 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROFESSIONAL BENEFIT ADMINISTRATORS | 189 | $640K |
| Dental | DELTA DENTAL OF ILLINOIS | 139 | $109K |
| Vision | DELTA DENTAL OF ILLINOIS | 139 | $109K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 183 | $127K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 183 | $114K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $13K |
| Prescription drug | PROFESSIONAL BENEFIT ADMINISTRATORS | 189 | $640K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | PROFESSIONAL BENEFIT ADMINISTRATORS | 189 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.