| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J. ANDREW DAVIS FINANCIAL SERVICES3 | 1005 S. 6TH STREET SPRINGFIELD, IL 62703 | BLUECROSS BLUE SHIELD | $30K | $1K | $32K | 2.06% |
| J. ANDREW DAVIS FINANCIAL SERVICES3 | 1005 S. 6TH STREET SPRINGFIELD, IL 62703 | DELTA DENTAL OF ILLINOIS | $14K | — | $14K | 7.50% |
| J. ANDREW DAVIS FINANCIAL SERVICES3 | 1005 S. 6TH STREET SPRINGFIELD, IL 62703 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 10.17% |
| J. ANDREW DAVIS FINANCIAL SERVICES3 | 1005 S. 6TH STREET SPRINGFIELD, IL 62703 | LINCOLN FINANCIAL GROUP | $907 | — | $907 | 13.05% |
| J. ANDREW DAVIS FINANCIAL SERVICES3 | 1005 S. 6TH STREET SPRINGFIELD, IL 62703 | LINCOLN FINANCIAL GROUP | $845 | — | $845 | 14.72% |
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 | 259 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD | 339 | $1.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 203 | $188K |
| Vision | EYEMED | 341 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $158K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $158K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $158K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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."
No prospect flags tripped on this filing.