| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W TROXELL & COMPANY3 | 214 S GRAND AVE W SPRINGFIELD, IL 62704 | HEALTH ALLIANCE MEDICAL PLAN | $49K | — | $49K | 2.33% |
| 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 | $795 | $5K | 3.60% |
| R W TROXELL & COMPANY3 | 214 S GRAND AVE W SPRINGFIELD, IL 62704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.64% |
| R W TROXELL & COMPANY3 | 214 S GRAND AVE W SPRINGFIELD, IL 62704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.96% |
| R W TROXELL & COMPANY3 | 214 S GRAND AVE W SPRINGFIELD, IL 62704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| R W TROXELL & COMPANY3 | 214 S. GRAND AVE W SPRINGFIELD, IL 62704 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.39% |
| R W GARRETT AGENCY3 Filed as: R.W. GARRETT AGENCY, INC. | 2201 WOODLAWN RD LINCOLN, IL 626569645 | VISION SERVICE PLAN | $584 | — | $584 | 8.68% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLAN | 384 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $134K |
| Vision | VISION SERVICE PLAN | 39 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $35K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $52K |
| Prescription drug | HEALTH ALLIANCE MEDICAL PLAN | 384 | $2.1M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.