| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWESTERN INS ASSOC AGY INC3 Filed as: MIDWESTERN INS ASSOCS AGY INC | PO BOX 410 MINIER, IL 61759 | HUMANA HEALTH PLAN, INC. | $37K | — | $37K | 4.60% |
| MIDWESTERN INS ASSOC AGY INC3 | PO BOX 410 MINIER, IL 61759 | HUMANA INSURANCE COMPANY | $4K | $2K | $6K | 5.99% |
| MIDWESTERN INS ASSOC AGY INC3 Filed as: MIDWESTERN INS ASSOC AGENCY INC | PO BOX 410 MINIER, IL 61759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $530 | $7K | 10.28% |
| MIDWESTERN INS ASSOC AGY INC3 Filed as: MIDWESTERN INS ASSOC AGENCY IN | PO BOX 410 MINIER, IL 61759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $191 | $4K | 15.75% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $618 | $7K | 36.39% |
| MIDWESTERN INS ASSOC AGY INC3 Filed as: MIDWESTERN INS ASSOC AGENCY INC | PO BOX 410 MINIER, IL 61759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 33.37% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 97 | $801K |
| Dental | HUMANA INSURANCE COMPANY | 129 | $105K |
| Vision | HUMANA INSURANCE COMPANY | 129 | $105K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $96K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $71K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.