| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARHAM BENEFIT GROUP3 | 919 W. KIRBY AVE CHAMPAIGN, IL 61821 | HEALTH ALLIANCE MEDICAL PLANS | $37K | — | $37K | 2.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIA, IL 604502215 | METROPOLITAN LIFE | $4K | $1K | $6K | 5.57% |
| BARHAM BENEFIT GROUP3 Filed as: BARHAM BENEFIT GROUP INC | 919 W KIRBY AVE CHAMPAIGN, IL 61821 | METROPOLITAN LIFE | $5K | — | $5K | 5.45% |
| BARHAM BENEFIT GROUP3 Filed as: BARHAM BENEFITS GROUP INC | 919 W KIRBY AVE CHAMPAIGN, IL 61821 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 13.91% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $626 | $2K | 4.86% |
| BARHAM BENEFIT GROUP3 | 919 W KIRBY CHAMPAIGN, IL 61821 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.13% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $644 | $265 | $909 | 5.89% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 282 | $1.6M |
| Dental | METROPOLITAN LIFE | 200 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $40K |
| Prescription drug | HEALTH ALLIANCE MEDICAL PLANS | 282 | $1.6M |
| Other | HEALTH ALLIANCE MEDICAL PLANS | 282 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.