| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEDRICK EMPLOYEE BENEFITS INC | P.O. BOX 983 MT. VERNON, IL 62864 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 9.27% |
| MARK S METTILLE Filed as: MARK STEPHEN METTILLE | 832 BAY ST. NE UNIT 1 SAINT PETERSBURG, FL 33701 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 5.00% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | TRUST MARK INSURANCE COMPANY | $3K | — | $3K | 59.75% |
| TEDRICK EMPLOYEE BENEFITS INC | 1129 BROADWAY AVENUE MT. VERNON, IL 62864 | TRUST MARK INSURANCE COMPANY | $1K | — | $1K | 23.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONSOCIATE GROUP EIN 37-1351918 | Plan Administrator Service code 14 | 2828 NORTH MONROE ST DECATUR, IL 62526 | $145K |
| TEDRICK EMPLOYEE BENEFITS, INC EIN 36-4178615 | Other insurance fees and expenses Service code 73 | 1129 BROADWAY STREET PO BOX 983 MOUNT VERNON, IL 62864 | $90K |
| MEDWATCH EIN 16-1662117 | Other insurance fees and expenses Service code 73 | 120 INTERNATIONAL PARKWAY LAKE MARY, FL 32746 | $8K |
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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $435K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $435K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $440K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $435K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $435K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $562K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $435K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.