| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAUGHMAN GROUP3 | — | DELTA DENTAL OF ILLINOIS | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENTRY HEALTH CARE OF MISSOURI EIN 43-1372307 INSURANCE | Insurance brokerage commissions and fees Service code 53 | — | $381K |
| SEGAL COMPANY EIN 13-1975125 ACTUARY AND CONSULTANT | Insurance agents and brokers; Actuarial Service code 11 | — | $72K |
| RHONDA BAUER EIN 37-6046408 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| JUDY MONTE EIN 37-6046408 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| COMMERCE TRUST COMPANY INVESTMENT MANAGER | Investment management Service code 28 | 922 WALNUT STREET KANSAS CITY, MO 64106 | $36K |
| JODI DIECKER EIN 37-6046408 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| SCHEFFEL BOYLE EIN 37-1206530 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $29K |
| DAVID GLASTETTER EIN 37-6046408 EMPLOYEE | Employee (plan) Service code 30 | — | $27K |
| LINDA KODERHANDT EIN 37-6046408 EMPLOYEE | Employee (plan) Service code 30 | — | $27K |
| HAMMOND & SHINNERS, P.C. EIN 43-1429257 ATTORNEY | Legal Service code 29 | — | $24K |
| SYSTEMS DESIGN ASSOCIATES EIN 43-1228887 COMPUTER CONSULTING | Other services Service code 49 | — | $24K |
| ZIEGLER CAPITAL MGT EIN 27-2347077 INVESTMENT MANAGER | Investment management Service code 28 | — | $16K |
| ALICARE MEDICAL MANAGEMENT EIN 13-3860528 MEDICAL CLAIM REVIEW | Consulting (general) Service code 16 | — | $7K |
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 | 799 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 443 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 168 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 1,367 | $60K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 765 | $134K |
| Other(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 926 | $970K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,367 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.