| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMEROY & ASSOCIATES LLC3 Filed as: POMEROY & ASSOCIATION LLC | 3134 N 7TH ST PHOENIX, AZ 85014 | LINCOLN NATIONAL LIFE INSURANCE GROUP | $30K | — | $30K | 4.42% |
| KUHL INSURANCE AGENCY INC3 | 632 W. JEFFERSON MORTON, IL 61550 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $60K | — | $60K | 9.33% |
| POMEROY & ASSOCIATES LLC3 Filed as: POMEROY & ASSOCIATION LLC | 3134 N 7TH ST PHOENIX, AZ 850145431 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $15K | $31K | 13.58% |
| POMEROY & ASSOCIATES LLC3 Filed as: POMEROY & ASSOCIATION LLC | 3134 N 7TH ST PHOENIX, AZ 85014 | STARMOUNT LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
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 | 604 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE GROUP | 1,421 | $1.5M |
| Vision | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,421 | $643K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,421 | $868K |
| Short-term disability(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,421 | $868K |
| Long-term disability(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE GROUP | 1,421 | $1.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,421 | $868K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,421 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.