| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAGUE CORP3 | 515 NORTH STATE STREET 15TH FLOOR CHICAGO, IL 60654 | COX HEALTH SYSTEMS INSURANCE COMPANY | $53K | — | $53K | 7.50% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENE ADMINISTRATION INC | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $418 | $418 | 3.16% |
| LEAGUE CORP3 | 515 NORTH STATE STREET 8TH FLOOR CHICAGO, IL 60654 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 10.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES-IL | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | ADVANTICA INSURANCE COMPANY | — | $33 | $33 | 0.30% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $226 | $226 | 2.29% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $144 | $144 | 2.53% |
| PLANSOURCE BEN ADMINISTRATION INC3 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $220 | $220 | 4.22% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32803 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $850 | $850 | 24.28% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 156 | $705K |
| Dental | DELTA DENTAL OF MISSOURI | 175 | $38K |
| Vision | ADVANTICA INSURANCE COMPANY | 153 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $10K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.