| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | HEALTH CARE SERVICE CORPORATION | $62K | $3K | $65K | 2.19% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $152 | $6K | 3.99% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC | PO BOX 370 LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.55% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $72 | $12K | 17.02% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC | PO BOX 370 LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.56% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | VISION SERVICE PLAN | $2K | — | $2K | 4.15% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $31 | $2K | 6.25% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC | PO BOX 370 LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $554 | $369 | $923 | 2.50% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $33 | $4K | 10.81% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC | PO BOX 370 LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $526 | — | $526 | 1.50% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 613 | $3.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 630 | $147K |
| Vision | VISION SERVICE PLAN | 206 | $39K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 544 | $69K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $37K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.