| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 353 N. CLARK ST CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $44K | — | $44K | 5.00% |
| JUSTIN J KIRBY3 | 4120 BELMONT PT CHAMPAIGN, IL 61822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 5.02% |
| JUSTIN J KIRBY3 | 4120 BELMONT PT CHAMPAIGN, IL 61822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 4.93% |
| JUSTIN J KIRBY3 | 4120 BELMONT PT CHAMPAIGN, IL 61822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.51% |
| JUSTIN J KIRBY3 | 4120 BELMONT PT CHAMPAIGN, IL 61822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.50% |
| MICHAEL L. SEBENS3 | 2412 CHERRY HILLS DR. CHAMPAIGN, IL 61822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.86% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $280 | — | $280 | 0.84% |
| MICHAEL L. SEBENS3 | 2412 CHERRY HILLS DR. CHAMPAIGN, IL 61822 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $256 | — | $256 | 1.44% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY, INC. | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $193 | — | $193 | 1.09% |
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 | 1,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 1,343 | $881K |
| Vision | VISION SERVICE PLAN | 1,233 | $156K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,624 | $87K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $18K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,624 | $238K |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,624 | $969K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,624 | — |
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."
No prospect flags tripped on this filing.