| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | $19K | $107K | 11.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLEANNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $18K | $91K | 9.94% |
| SEE ATTACHED | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $45K | — | $45K | 16.01% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 2105 EASTLAND DR SUITE 13 BLOOMINGTON, IL 61704 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| JEREMY S KLOKKENGA3 | 1355 N BLUFF ROAD SUITE A COLLINSVILLE, IL 62234 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| KIMBERLY S. ECKERTY3 Filed as: KIMBERLY ECKERTY | 503 N 25TH STREET CASEY, IL 62420 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| CHERYL A. FLOOD3 Filed as: CHERYL A FLOOD | PO BOX 83 MONTROSE, IL 62445 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| SHARYL K BATHE3 | 1816 BROADWAY AVE MATTOON, IL 61938 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 3,286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,452 | $1.9M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,452 | $1.9M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,452 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,452 | — |
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.