| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: DIMOND BROS. INSURANCE, LLC | PO BOX 1090 PARIS, IL 61944 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 5.99% |
| GARY A EBERLIN3 Filed as: GARY A. EBERLIN | 213 LORETTA LANE GODFREY, IL 62035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.48% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS. INSURANCE, LLC | 928 CLINTON ROAD PARIS, IL 61944 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.93% |
| JACOB T ARNOLD3 Filed as: JACOB T. ARNOLD | 1355 NORTH BLUFF ROAD, SUITE A COLLINSVILLE, IL 62234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.49% |
| SHELLY R STEINWAGNER3 Filed as: SHELLY R. STEINWAGNER | 44 VALENTINE LANE HIGHLAND, IL 62249 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.18% |
| AMBER N ARNOLD3 Filed as: AMBER N. ARNOLD | 1355 NORTH BLUFF ROAD, SUITE A COLLINSVILLE, IL 62234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.04% |
| TIMOTHY J REED3 Filed as: TIMOTHY S. INGRAM | 1355 LYNNFIELD STREET, SUITE 259 MEMPHIS, TN 33819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
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 | 767 | 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) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 767 | $369K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 767 | $369K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 767 | $369K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 767 | $369K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 767 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.