| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENVISION INS GROUP LLC3 | 133 S MAIN ST MORTON, IL 61550 | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | — | $36K | $36K | 9.89% |
| ENVISION INS GROUP LLC3 | P.O. BOX 1559 GALESBURG, IL 614021559 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $18K | $20K | 9.07% |
| ENVISION INS GROUP LLC3 | 456 E MAIN ST GALESBURG, IL 614014952 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 11.84% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 174 | $579K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $78K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 184 | $78K |
| Prescription drug | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 160 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.