| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 | 416 MAIN ST. STE 432 PEORIA, IL 61602 | UNITED HEALTH CARE | $48K | — | $48K | 3.20% |
| GROUP BENEFITS LTD3 | 416 MAIN ST. STE 432 PEORIA, IL 61602 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.52% |
| GROUP BENEFITS LTD3 | 416 MAIN ST. STE 432 PEORIA, IL 61602 | DELTA DENTAL OF IL | $5K | — | $5K | 7.44% |
| BAUGHMAN GROUP3 Filed as: BAUGHMAN GROUP INC | PO BOX 115 OFALLEN, IL 62269 | DELTA DENTAL OF IL | — | $1K | $1K | 1.98% |
| GROUP BENEFITS LTD3 | 416 MAIN ST. STE 432 PEORIA, IL 61602 | KANSAS CITY LIFE INSURANCE | $443 | — | $443 | 11.23% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 256 | $1.5M |
| Dental | DELTA DENTAL OF IL | 154 | $71K |
| Life insurance | KANSAS CITY LIFE INSURANCE | 137 | $4K |
| Short-term disability | STANDARD INSURANCE COMPANY | 106 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
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.