| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS LLC | 200 WEST ADAMS SUITE 500 CHICAGO, IL 60606 | SIRIUS AMERICA INSURANCE COMPANY | $52K | — | $52K | 7.89% |
| LARRY WHITE3 | P O BOX 69 BRAZIL, IN 47834 | SIRIUS AMERICA INSURANCE COMPANY | $13K | — | $13K | 2.03% |
| PHCS0 | 115 FIFTH AVENUE NEW YORK, NY 10003 | SIRIUS AMERICA INSURANCE COMPANY | $5K | — | $5K | 0.78% |
| LARRY WHITE3 | P O BOX 69 BRAZIL, IN 47834 | KANSAS CITY INSURANCE COMPANY | $870 | — | $870 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS LLC EIN 36-3086057 BROKER | Plan Administrator Service code 14 | 200 WEST ADAMS SUITE 500 CHICAGO, IL 60606 | $14K |
| WHITE INSURANCE AGENCY EIN 31-3785870 BROKER | Insurance agents and brokers Service code 22 | P O BOX 69 BRAZIL, IN 47834 | $14K |
| PHCS EIN 04-3138814 PPO | Direct payment from the plan Service code 50 | 115 FIFTH AVENUE NEW YORK, NY 10003 | $5K |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIRIUS AMERICA INSURANCE COMPANY | 140 | $660K |
| Dental | SIRIUS AMERICA INSURANCE COMPANY | 140 | $660K |
| Life insurance | KANSAS CITY INSURANCE COMPANY | 200 | $9K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 140 | $660K |
| Other | KANSAS CITY INSURANCE COMPANY | 200 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.