| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS W ELDER3 | 403 S WORTH, PO BOX 654 SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 7.80% |
| CHRISTINA O'BRIEN3 | 932 CR 1350 N, RR 3 BOX 7A SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 7.20% |
| MARC ALAN HOLLABAUGH3 Filed as: MARC A HOLLABAUGH | 836 W 62ND ST KANSAS CITY, MO 64113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $220 | $6K | 10.37% |
| THOMAS W ELDER3 | 403 S WORTH, PO BOX 654 SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| CHRISTINA O'BRIEN3 | 932 CR 1350 N, RR 3 BOX 7A SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.88% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 E DECATUR ST DECATUR, IL 62521 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 16.47% |
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 | 745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HM LIFE INSURANCE COMPANY | 673 | $904K |
| Vision | VISION SERVICE PLAN | 645 | $54K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 757 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 682 | $174K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 673 | $904K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 757 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.