| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W TROXELL & COMPANY3 | 214 S GRAND AVE W SPRINGFIELD, IL 62704 | BLUE CROSS BLUE SHIELD | $43K | $2K | $45K | 2.02% |
| R W TROXELL AND COMPANY3 Filed as: R W TROXELL AND CO | 214 SOUTH GRAND AVE W SPRINGFIELD, IL 627043839 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.18% |
| R W TROXELL & COMPANY3 Filed as: R W TROXELL COMPANY | 214 S GRAND AVE SPRINGFIELD, IL 62704 | BLUE CROSS BLUE SHIELD | $0 | $666 | $666 | 1.43% |
| R W TROXELL & COMPANY3 | 214 S GRAND AVE W SPRINGFIELD, IL 62704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.61% |
| R W TROXELL & COMPANY3 | 214 S GRAND AVE W SPRINGFIELD, IL 62704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.07% |
| R W TROXELL & COMPANY3 | 214 S GRAND AVE W SPRINGFIELD, IL 62704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| R W TROXELL & COMPANY3 | 214 S. GRAND AVE W SPRINGFIELD, IL 62704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.64% |
| RW TROXELL AND COMPANY3 | 214 SOUTH GRAND AVENUE W SPRINGFIELD, IL 62704 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.92% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD | 395 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $132K |
| Vision | VISION SERVICE PLAN | 239 | $26K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 417 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 415 | $40K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 80 | $46K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 417 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.