| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVIS HURT3 Filed as: TRAVIS D SCHMID | — | HEALTH ALLIANCE MEDICAL PLANS | $35K | — | $35K | 3.16% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 EAST DACATUR STREET DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 20.09% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 E DECATUR STREET DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.70% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INSURANCE SERVICES | 2828 NORTH MONROE STREET DECATUR, IL 62526 | VISION SERVICE PLAN | $746 | — | $746 | 4.13% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 EAST DECATUR STREET DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $751 | $3K | 19.74% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 EAST DECATUR STREET DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $713 | $3K | 19.77% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | — | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 24.02% |
| BAUGHMAN GROUP3 Filed as: BAUGHMAN GROUP INC-GA | — | DELTA DENTAL OF ILLINOIS | — | $169 | $169 | 1.93% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 115 | $1.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 117 | $9K |
| Vision | VISION SERVICE PLAN | 97 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $15K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.