| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN BLAUDOW3 | 1806 WOODFIELD DRIVE SAVOY, IL 61911 | KANSAS CITY LIFE INSURANCE COMPANY | $10K | $0 | $10K | 14.98% |
| DIAMOND BROS INSURANCE LLC3 | PO BOX 1090 PARIS, IL 61944 | STANDARD INSURANCE COMPANY | $2K | $367 | $2K | 4.69% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROTHERS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | VISION SERVICE PLAN | $895 | $0 | $895 | 9.98% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | STANDARD INSURANCE COMPANY | $66 | $32 | $98 | 5.46% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 62 | $41K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 74 | $11K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 141 | $64K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 141 | $64K |
| Other | KANSAS CITY LIFE INSURANCE COMPANY | 141 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.