| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN BLAUDOW3 | 1806 WOODFIELD DRIVE SAVOY, IL 61911 | KANSAS CITY LIFE INSURANCE COMPANY | $11K | $0 | $11K | 14.91% |
| DIAMOND BROS INSURANCE LLC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| DANIEL J PATAKUNAS3 | — | ASSURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.49% |
| WARE GROUP GENERAL AGENCIES3 | — | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.52% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS. INSURANCE LLC | — | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.37% |
| MICHAEL PETERS & ASSOCIATES, INC.3 Filed as: MICHAEL PETERS & ASSOCIATES, INC | — | ASSURITY LIFE INSURANCE COMPANY | $428 | $0 | $428 | 2.19% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROTHERS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 79 | $37K |
| Vision | VISION SERVICE PLAN | 88 | $11K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 149 | $72K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 149 | $72K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 149 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.