| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING ASSOCIATES3 Filed as: BENEFIT PLANNING ASSOCIATES INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $39K | $945 | $40K | 4.06% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.51% |
| BENEFIT PLANNING ASSOCIATES3 Filed as: BENEFIT PLANNING ASSCIATES | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $831 | $5K | 18.14% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $707 | $4K | 17.93% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $645 | $3K | 13.13% |
| MIDWESTERN INS ASSOC AGY INC3 Filed as: MIDWESTERN INSURANCEASSOCIATES AGEN | 120 SOUTH MAIN MINIER, IL 61759 | CONTINENTAL AMERICAN INSURANCE COMPANY | $622 | — | $622 | 7.64% |
| ABBY E ALEXANDER3 Filed as: ABBY E ALEXNADER | 1532 EAST MARIETTA AVENUE PEORIA HEIGHTS, IL 61616 | CONTINENTAL AMERICAN INSURANCE COMPANY | $490 | — | $490 | 6.02% |
| MARK L RHODES3 | 133A SOUTH MAIN STREET MORTON, IL 61550 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 1.85% |
| CHRISTOPHER J BAYER3 | 250 EAST MAIN STREET SUITE 312 GALESBURG, IL 61401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 1.67% |
| NATHAN A WHITEMAN3 | 503 BROADWAY STREET LINCOLN, IL 62656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 1.15% |
| MARK L RHODES3 | 133A SOUTH MAIN ST MORTON, IL 61550 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.81% |
| MARK L RHODES3 | 133A SOUTH MAIN STREET MORTON, IL 61550 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.81% |
| TERRY J SILVERS3 | 120 WEST ALLEN STREET HENDERSONVILLE, NC 28792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.22% |
| MARTHA MONCKTON3 Filed as: MARTHA S MONCKTON | 2411 EAST GRANDVIE AVENUE SUITE 200 PEORIA, IL 61614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.16% |
| PATRICIA M TOWNSEND3 | 109 EAST IDLEWOOD MORTON, IL 61550 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| TRAVIS COCKBURN3 | 402 N MAIN STREET BENTON, IL 62812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| TAMMY KILGORE3 Filed as: TAMMY L KILGORE | 210 N PLAUM STREET PONTIAC, IL 61764 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| WILLIAM T GANT3 | 54 OLIVE STREET GALESBURG, IL 61401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $557 | $114 | $671 | 18.06% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 179 | $978K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $68K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 41 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 58 | $26K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.