| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W TROXELL AND COMPANY3 | 214 SOUTH GRAND AVE WEST SPRINGFIELD, IL 62704 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $81K | $1K | $83K | 4.04% |
| R W TROXELL & COMPANY3 Filed as: R W TROXELL & CO | 214 S GRAND AVE W SPRINGFIELD, IL 627043839 | PRINCIPAL LIFE INSURANCE CO | $26K | — | $26K | 11.78% |
| R W TROXELL & COMPANY Filed as: R W TROXELL CO | 214 SOUTH GRAND AVE W SPRINGFIELD, IL 627043839 | VISION SERVICE PLAN | $237 | — | $237 | — |
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 | 450 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 448 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE CO | 405 | $221K |
| Vision | VISION SERVICE PLAN | 105 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE CO | 405 | $221K |
| Short-term disability | PRINCIPAL LIFE INSURANCE CO | 405 | $221K |
| Long-term disability | PRINCIPAL LIFE INSURANCE CO | 405 | $221K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 448 | $2.0M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 448 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.