| 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 | $52K | $3K | $55K | 2.29% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $239 | $10K | 7.54% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $513 | $6K | 9.99% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $129 | $3K | 6.26% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES, INC | PO BOX 370 LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | — | $411 | $411 | 1.00% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $123 | $4K | 10.85% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN LINCOLN, IL 62656 | VISION SERVICE PLAN | $2K | — | $2K | 4.28% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 578 | $2.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 504 | $133K |
| Vision | VISION SERVICE PLAN | 198 | $36K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 586 | $58K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 127 | $41K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.