| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | STANDARD INSURANCE COMPANY | $70K | $0 | $70K | 9.54% |
| ADP INC3 | PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | $0 | $18K | $18K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DAVID KEENAN & ASSOCIATES | UNKNOWN PARIS, IL 61944 | ASSURITY LIFE INSURANCE COMPANY | $14K | $0 | $14K | 14.04% |
| WARE GROUP GENERAL AGENCIES3 | UNKNOWN PARIS, IL 61944 | ASSURITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.64% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | ASSURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.01% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS & ASSOCIATES INC | UNKNOWN PARIS, IL 61944 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.93% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 610 | $737K |
| Vision | STANDARD INSURANCE COMPANY | 610 | $737K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 610 | $839K |
| Short-term disability | STANDARD INSURANCE COMPANY | 610 | $737K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 610 | $839K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.