| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCEPROVIDERSGROUPOFILBENEFITS3 | 3302 MISSION DR SUITE 104 CHAMPAIGN, IL 61822 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $80K | $80K | 6.34% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC -KS & MO | 5110 N 40TH STREET PHOENIX, AZ 85018 | UNITED HEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 1.76% |
| INSURANCEPROVIDERSGROUPOFILBENEFITS3 | 3302 MISSION DR SUITE 104 CHAMPAIGN, IL 61822 | HAWAII MEDICAL SERVICE ASSOCIATION | $17K | $0 | $17K | 2.88% |
| INSURANCEPROVIDERSGROUPOFILBENEFITS3 | 3302 MISSION DR SUITE 104 CHAMPAIGN, IL 61822 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 9.99% |
| ALSTON, ROBIN H.3 | P.O. BOX 20787 ATLANTA, GA 30320 | SYMETRA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.27% |
| ALSTON, ROBIN H.3 | P.O. BOX 20787 ATLANTA, GA 30320 | SYMETRA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE PROVIDERS GROUP OF IL EIN 81-1424061 CONSULTANT AND BROKER | Consulting fees; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3302 MISSION DRIVE SUITE 104 CHAMPAIGN, IL 61822 | $16K |
| ROBIN H ALSTON EIN 58-1873472 CONSULTANT AND BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Consulting fees Service code 22 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | $9K |
| ROGERS BENEFIT GROUP INC KC-MO EIN 41-1596522 CONSULTANT AND BROKER | Insurance agents and brokers; Consulting fees; Insurance brokerage commissions and fees; Insurance services Service code 22 | P.O. BOX 20787 ATLANATA, GA 30320 | $7K |
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 | 557 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 252 | $1.8M |
| Dental(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 401 | $750K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 401 | $750K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 401 | $77K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 401 | $77K |
| Other | HAWAII MEDICAL SERVICE ASSOCIATION | 252 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
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.