| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL GROUP INTERMEDIARIES3 | 2356 HASSEL ROAD, SUITE F HOFFMAN ESTATES, IL 60169 | THE UNION LABOR LIFE INSURANCE COMPANY | $12K | — | $12K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS MANAGEMENT GROUP INC. EIN 84-1677167 | Contract Administrator Service code 13 | — | $167K |
| BRENDAN BERIGAN | Consulting (general) Service code 16 | 8608 HORTON CIRCLE URBANDALE, IA 50322 | $46K |
| KUTAK ROCK LLP EIN 47-0597598 | Legal Service code 29 | 2405 GRAND BLVD SUITE 600 KANSAS CITY, KS 64108 | $40K |
| COMMUNITY STATE BANK EIN 42-0839178 | Investment advisory (plan); Custodial (securities) Service code 19 | — | $28K |
| DEBOER & ASSOCIATES EIN 47-0836395 | Accounting (including auditing) Service code 10 | 17330 WRIGHT STREET, OMAHA, NE 68130 | $25K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 | Accounting (including auditing) Service code 10 | 350 INTERLOCKEN BLVD 360 BROOMFIELD, CO 80021 | $9K |
| CEDAR RAPIDS BANK & TRUST EIN 42-1524302 | Investment advisory (plan); Custodial (securities) Service code 19 | — | $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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF ILLINOIS | 1,062 | $3.1M |
| Dental | BCBS OF ILLINOIS | 870 | $189K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 341 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.