| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN ERNST3 | 126 N 30TH SUITE 103 QUINCY, IL 62301 | NATIONWIDE LIFE INSURANCE COMPANY | $0 | $25K | $25K | 14.20% |
| IPMG3 | 225 SMITH RD ST. CHARLES, IL 60174 | NATIONWIDE LIFE INSURANCE COMPANY | $0 | $24K | $24K | 13.54% |
| HEALTHLINK3 Filed as: HEALTHLINK INC | POB 790129 DEPT HK ST. LOUIS, MO 631790129 | NATIONWIDE LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.12% |
| TOM ERNST3 | 126 N 30TH SUITE 103 QUINCY, IL 62301 | NATIONWIDE LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.80% |
| TRI-STATE HEALTHCARE COALITION3 Filed as: TRI-STATE HEALTHCARE SOLUTION | 301 OAK QUINCY, IL 62301 | NATIONWIDE LIFE INSURANCE COMPANY | $0 | $945 | $945 | 0.54% |
| MIDWEST INSURANCE SOLUTIONS INC3 | 929 MAINE ST. QUINCY, IL 623014036 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $827 | $8K | 9.59% |
| JOHN ERNST3 | 126 N 30TH SUITE 103 QUINCY, IL 62301 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHLINK INC. EIN 43-1364135 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $29K |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 314 | $175K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $82K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $82K |
| Life insurance(3 contracts, 3 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 314 | $257K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 314 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.