| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W TROXELL & COMPANY3 Filed as: R W TROXELL & CO | — | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.30% |
| R W TROXELL & COMPANY3 | 214 S GRAND AVE W SPRINGFIELD, IL 62704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $255 | $3K | 9.39% |
| R W TROXELL AND COMPANY3 | 214 SOUTH GRAND AVE WEST SPRINGFIELD, IL 62708 | FEDERAL INSURANCE COMPANY | $1K | $7 | $1K | 15.10% |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 668 | $96K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 668 | $34K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 668 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.