| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNYDER AND SNYDER AGENCY INC Filed as: SNYDER AND SNYDER AGENCY INC. | 1 BRICKYARD DR. BLOOMINGTON, IL 61701 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 4.13% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP INC. | 475 N. MARTINGALE RD STE 950 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.07% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN LONE STAR INS SERVICE | 3201 CHERRY RIDGE ST STE D405 SAN ANTONIO, TX 78230 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.02% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.86% |
| SWBC LIFE INSURANCE AGENCY, INC.3 Filed as: SWBC LIFE INS AGENCY INC. | 9311 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78216 | UNITEDHEALTHCARE INSURANCE COMPANY | -$4 | — | -$4 | -0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR. BLOOMINGTON, IL 61701 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 16.12% |
| SNYDER AND SNYDER AGENCY INC3 Filed as: SNYDER & SNYDER AGENCY INC. | — | PROTEC INSURANCE COMPANY | $278 | — | $278 | 7.82% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | — | PROTEC INSURANCE COMPANY | $38 | — | $38 | 1.07% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $409K |
| Vision | PROTEC INSURANCE COMPANY | 23 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 117 | $33K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $33K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $33K |
| Other | HARTFORD LIFE AND ACCIDENT | 117 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.