| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST MID INSURANCE GROUP INC3 | 1090 SOUTH ROUTE 51 FORSYTH, IL 62535 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 7.75% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $120 | $120 | 0.06% |
| FIRST MID INSURANCE GROUP INC3 | PO BOX 14 FORSYTH, IL 62535 | VISION SERVICE PLAN | $1K | — | $1K | 5.51% |
| FIRST MID INSURANCE GROUP INC3 | PO BOX 14 FORSYTH, IL 62535 | DELTA DENTAL OF ILLINOIS | $5K | — | $5K | 31.02% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 187 | $17K |
| Vision | VISION SERVICE PLAN | 161 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $192K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $192K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $192K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.