| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JL HUBBARD INSURANCE3 Filed as: JL HUBBARD INSURANCE & BONDS AGENCY | 4530 N UNIVERSITY ST PEORIA, IL 616145827 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 2.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE 6 EIN 37-1117215 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $114K |
| CAVANAGH & O'HARA EIN 37-1259635 NONE | Legal; Direct payment from the plan Service code 29 | — | $109K |
| EMPLOYEE 2 EIN 37-1117215 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| EMPLOYEE 4 EIN 37-1117215 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| UNITED SYSTEMS AND SOFTWARE, INC EIN 59-1918677 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $78K |
| EMPLOYEE 7 EIN 37-1117215 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| EMPLOYEE 5 EIN 37-1117215 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $67K |
| EMPLOYEE 3 EIN 37-1117215 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| INDEPENDENT EMPLOYEE BENEFITS CORPO EIN 36-3097979 NONE | Other services; Direct payment from the plan Service code 49 | — | $60K |
| ROMOLO & ASSOCIATES EIN 37-1077733 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $52K |
| WESTWIND CONCEPTS, INC EIN 36-3992116 NONE | Other services; Direct payment from the plan Service code 49 | — | $50K |
| EMPLOYEE 1 EIN 37-1117215 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| CHESTNUT GLOBAL PARTNERS,LLC EIN 75-3186256 NONE | Other services; Direct payment from the plan Service code 49 | — | $44K |
| MORGAN STANLEY SMITH BARNEY EIN 20-8764829 NONE | Securities brokerage commissions and fees; Other services; Securities brokerage; Direct payment from the plan; Other commissions; Investment advisory (plan); Investment management fees paid directly by plan; Other fees; Other investment fees and expenses; Investment management Service code 27 | — | $42K |
| LEVI, RAY, & SHOUP, INC EIN 37-1073724 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $17K |
| JL HUBBARD INSURANCE SERVICES EIN 37-1126488 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $17K |
| ILLINOIS NATIONAL BANK EIN 37-0274319 NONE | Custodial (securities); Soft dollars commissions; Investment management fees paid directly by plan Service code 19 | — | $10K |
| THE NYHART COMPANY EIN 35-0966414 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $10K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 NONE | Other services; Direct payment from the plan Service code 49 | — | $10K |
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 | 1,625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 237 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,804 | $16.2M |
| Vision | VISION SERVICE PLAN OF ILLINOIS | 1,831 | $0 |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,681 | $635K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,831 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.