| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEDRICK EMPLOYEE BENEFITS INC3 Filed as: TEDRICK EMPLOYEE BENEFITS INC. | PO BOX 983 MOUNT VERNON, IL 62864 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.70% |
| TEDRICK EMPLOYEE BENEFITS INC3 | PO BOX 983 MOUNT VERNON, IL 62864 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.45% |
| TEDRICK EMPLOYEE BENEFITS INC3 Filed as: TEDRICK EMPLOYEE BENEFITS INC. | PO BOX 983 MOUNT VERNON, IL 62864 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| TEDRICK EMPLOYEE BENEFITS INC3 Filed as: TEDRICK EMPLOYEE BENEFITS INC. | PO BOX 983 MOUNT VERNON, IL 62864 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $452 | $452 | 6.38% |
| TEDRICK EMPLOYEE BENEFITS INC3 | PO BOX 983 MOUNT VERNON, IL 62864 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $317 | $0 | $317 | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $103 | $103 | 6.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONSOCIATE HEALTH GROUP EIN 37-1351918 NONE | Other services; Claims processing; Plan Administrator Service code 12 | 2828 NORTH MONROE STREET DECATUR, IL 62526 | $49K |
| TEDRICK EMPLOYEE BENEFITS INC. EIN 36-4178615 NONE | Insurance agents and brokers Service code 22 | 2828 NORTH MONROE ST DECATUR, IL 62526 | $29K |
| MULTI-PLAN HST EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 10087 | $28K |
| PRECEDENCE HEALTH EIN 37-1288604 NONE | Other services; Claims processing Service code 12 | 1409 EAST KIMBERLY ROAD DAVENPORT, IA 52804 | $3K |
| PHIA GROUP HEALTH CONSULTING EIN 04-3504115 NONE | Other services; Claims processing Service code 12 | PO BOX 499 CANTON, MA 02021 | $3K |
| HEALTHCARE BLUE BOOK COMPLIANCE EIN 46-4399706 NONE | Accounting (including auditing); Other services Service code 10 | 3300 FRANKLIN ROAD SUITE 135A BRENTWOOD, TN 37027 | $2K |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $35K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $15K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $9K |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $9K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $19K |
| Stop-loss / reinsurancereinsurance | SKYWARD SPECIALTY INSURANCE | 118 | $125K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.