| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIAMOND BROS INSURANCE LLC3 Filed as: DIAMOND BROTHERS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | DELTA DENTAL OF ILLINOIS | $9K | $0 | $9K | 3.90% |
| DIAMOND BROS INSURANCE LLC3 Filed as: DIAMOND BROTHERS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | DEARBORN LIFE INSURANCE COMPANY | $24K | $5K | $29K | 17.83% |
| DIAMOND BROS INSURANCE LLC3 Filed as: DIAMOND BROTHERS INSURANCE LLC | 110 WEST COURT STREET PARIS, IL 61944 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.96% |
| AARON VANPELT INC3 Filed as: AARON VANPELT LLC | 160 WEST CARMEL DRIVE CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $89 | $1K | 2.38% |
| MJ INSURANCE3 Filed as: FELTER INC AND VARIOUS AGENTS | 5403 COMMONWEALTH AVENUE WESTERN SPRINGS, IL 60558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $894 | $18 | $912 | 1.63% |
| HR CLOUD LLC3 | 1050 EAST 86TH STREET INDIANAPOLIS, IN 46240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $869 | $0 | $869 | 1.55% |
| HAROLD ANTHONY EDWARDS3 | 1070 FOREST HILL DRIVE CALUMET CITY, IL 60409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $645 | $193 | $838 | 1.50% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | $229 | $540 | 0.96% |
| NORMAC SOLUTIONS INC3 | 451 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $119 | $291 | 0.52% |
| DIAMOND BROS INSURANCE LLC3 Filed as: DIAMOND BROTHERS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.98% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 441 | $240K |
| Vision | VISION SERVICE PLAN | 296 | $43K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 433 | $217K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 433 | $161K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 433 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.