| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG, INC | 111 E. DECATUR DECATUR, IL 62521 | HEALTH ALLIANCE MEDICAL PLANS | $33K | — | $33K | 4.00% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG, INC | PO BOX 678 DECATUR, IL 62521 | DELTA DENTAL OF ILLINOIS | $6K | — | $6K | 7.52% |
| BAUGHMAN GROUP3 Filed as: BAUGHMAN GROUP INC. | 1210 PARAGON DRIVE STLE LA O FALLON, IL 62259 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 2.51% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG, INC. | PO BOX 678 DECATUR, IL 625250678 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.54% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG, INC | PO BOX 678 DECATUR, IL 625250678 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.41% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG, INC | PO BOX 678 DECATUR, IL 625250678 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $875 | $3K | 20.52% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG, INC | PO BOX 678 DECATUR, IL 625250678 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $835 | $3K | 20.56% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG, INC | PO BOX 678 DECATUR, IL 62525 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 202 | $815K |
| Dental | DELTA DENTAL OF ILLINOIS | 109 | $85K |
| Vision | VISION SERVICE PLAN | 87 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $62K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $16K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.