| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL MEDICAL3 | 416 MAIN STREET, SUITE 1025 PEORIA, IL 61602 | SYMETRA LIFE INSURANCE COMPANY | $67K | $39K | $106K | 25.19% |
| MATTHEW L JONES3 Filed as: MATTHEW L. JONES | 416 MAIN STREET, SUITE 1025 PEORIA, IL 61602 | SYMETRA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MUTUAL MEDICAL3 | 416 MAIN STREET, SUITE 1025 PEORIA, IL 61602 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MUTUAL MEDICAL EIN 37-1013512 CONTRACT ADMIN | Accounting (including auditing); Direct payment from the plan; Contract Administrator Service code 10 | — | $412K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $122K |
| HEALTHLINK, INC. EIN 43-1364135 CONTRACT ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | — | $90K |
| BENEFIT PLANNING CONSULTANTS, INC. CONTRACT ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | 2110 CLEARLAKE BOULEVARD SUITE 200 CHAMPAIGN, IL 68120 | $20K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMIN | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
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 | 1,059 | 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) | 1,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INSURANCE COMPANY | 1,016 | $422K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 907 | $53K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,016 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.