| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | HEALTH ALLIANCE MEDICAL PLANS | $33K | — | $33K | 3.82% |
| BAUGHMAN GROUP3 | 1210 PARAGON DRIVE O FALLON, IL 62259 | DELTA DENTAL OF ILLINOIS | $193K | — | $193K | 229.16% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | DELTA DENTAL OF ILLINOIS | $6K | — | $6K | 6.88% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE | $7K | $3K | $9K | 20.82% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 21.63% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INSURANCE SERVICES | 2828 N MONROE ST DECATUR, IL 62526 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE | $2K | $826 | $3K | 20.65% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $872 | $3K | 21.33% |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 195 | $876K |
| Dental | DELTA DENTAL OF ILLINOIS | 107 | $84K |
| Vision | VISION SERVICE PLAN | 88 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE | 136 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $14K |
| Other | UNITED OF OMAHA LIFE INSURANCE | 71 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.