| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TASK INSURANCE GROUP, LLC3 | 1821 WALDEN OFFICE SQUARE SUITE 350 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $82K | — | $82K | 4.87% |
| TASK INSURANCE GROUP, LLC3 | 1821 WALDEN OFFICE SQUARE SUITE 350 SCHAUMBURG, IL 60173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 WEST MAIN STREET NORFOLK, VA 23510 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $18 | $3K | 4.31% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $435 | $2K | 3.15% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH S. GOLDEN | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $854 | $134 | $988 | 1.67% |
| FRANKIE GLEE WILLIAMS3 | 725 STEEPLECHASE WAY BOWLING GREEN, KY 42103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $514 | $125 | $639 | 1.08% |
| MJ INSURANCE3 Filed as: SUSAN MAE DANIEL AND VARIOUS AGENTS | 205 MORNINGSIDE DRIVE HOPKINSVILLE, KY 42240 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $565 | $45 | $610 | 1.03% |
| VIOLET P COOTS3 Filed as: VIOLET P. COOTS | 1870 PLANO RICHPOND ROAD BOWLING GREEN, KY 42104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $524 | $69 | $593 | 1.01% |
| MICHAEL J BOONE3 Filed as: MICHAEL J. BOONE | 1302 CLEAR SPRINGS TRACE LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $512 | — | $512 | 0.87% |
| TASK INSURANCE GROUP, LLC3 | 1821 WALDEN OFFICE SQUARE SUITE 350 SCHAUMBURG, IL 60173 | EYEMED | $2K | — | $2K | 10.02% |
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 | 150 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 343 | $1.7M |
| Vision | EYEMED | 387 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 170 | $170K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 170 | $170K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 170 | $170K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 343 | $1.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 170 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.