| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG, INC. | 111 E DECATUR ST DECATUR, IL 62521 | BLUE CROSS BLUE SHIELD ILINOIS | $35K | — | $35K | 3.93% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC. | 111 E DECATUR ST DECATUR, IL 62521 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 8.05% |
| BAUGHMAN GROUP3 Filed as: BAUGHMAN GROUP INC | 1210 PARAGON DR. STE 1A O FALLON, IL 62259 | DELTA DENTAL OF ILLINOIS | — | $2K | $2K | 2.68% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.16% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INCORPORATED | 111 E DECATUR ST DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.68% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.08% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INCORPORATED | 111 E DECATUR ST DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC. | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $604 | $2K | 15.16% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INCORPORATED | 111 E DECATUR ST DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $579 | — | $579 | 3.67% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $580 | $2K | 15.15% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INCORPORATED | 111 E DECATUR ST DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $557 | — | $557 | 3.69% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INSURANCE SERVICES | 2828 N MONROE ST DECATUR, IL 62526 | VISION SERVICE PLAN | $1K | — | $1K | 9.24% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INSURANCE SERVICES | PO BOX 678 DECATUR, IL 62525 | VISION SERVICE PLAN | $96 | — | $96 | 0.75% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD ILINOIS | 218 | $888K |
| Dental | DELTA DENTAL OF ILLINOIS | 108 | $83K |
| Vision | VISION SERVICE PLAN | 80 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $62K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $16K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.