| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRAIRIE STATES ENTERPRISES, INC.3 | 35 EAST WACKER DRIVE, SUITE 3200 CHICAGO, IL 60601 | PRAIRIE STATES | $48K | $112K | $160K | 32.93% |
| DOYLE-OGDEN INC3 Filed as: DOYLE & OGDEN | 3330 BROADMOOR SE GRAND RAPIDS, MI 49512 | DELTA DENTAL | $3K | — | $3K | 2.05% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL | $2K | — | $2K | 0.97% |
| DOYLE-OGDEN INC3 Filed as: DOYLE & OGDEN INC | 3330 BROADMOOR SE STE E GRAND RAPIDS, MI 49512 | RELIANCE STANDARD LIFE INSURANCE CO | $9K | — | $9K | 9.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC DETROIT | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | — | $3K | 3.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRAIRIE STATES ENTERPRISES, INC. EIN 36-3730559 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Float revenue; Other fees; Claims processing; Direct payment from the plan; Contract Administrator; Consulting (general) Service code 12 | 35 EAST WACKER DRIVE, SUITE 3200 CHICAGO, IL 60601 | $0 |
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 | 544 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRAIRIE STATES | 600 | $487K |
| Dental | DELTA DENTAL | 544 | $157K |
| Life insurance(2 contracts, 2 carriers) | PRAIRIE STATES | 600 | $586K |
| Short-term disability | PRAIRIE STATES | 600 | $487K |
| Long-term disability | PRAIRIE STATES | 600 | $487K |
| Prescription drug | PRAIRIE STATES | 600 | $487K |
| Stop-loss / reinsurancereinsurance | PRAIRIE STATES | 600 | $487K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.