| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSMANN-JOHNSON INSURANCE INC3 Filed as: HAUSMANN JOHNSON INSURANCE | 740 REGENT ST. SUITE 400 MADISON, WI 537152650 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 4.47% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET CHICAGO, IL 606016416 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.39% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731296 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.89% |
| MARSHBERRY CONNECT PLATFORM LLC3 | PO BOX 72560 CLEVELAND, OH 441920002 | PRINCIPAL LIFE INSURANCE COMPANY | — | $877 | $877 | 0.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | DEARBORN LIFE INSURANCE COMPANY | $16K | — | $16K | 11.31% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 1053 GARRISON LANE SOUDERTON, PA 189642299 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 31.38% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 31.38% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731289 | RELIASTAR LIFE INSURANCE COMPANY | — | $722 | $722 | 1.97% |
| JENNON CARUTH3 | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | TRUSTMARK INSURANCE COMPANY | $614 | — | $614 | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 20 N. MARTINGALE RD. STE 100 SCHAUMBURG, IL 60173 | TRUSTMARK INSURANCE COMPANY | $542 | — | $542 | 4.77% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1060 MAITLAND CENTER COMMONS BLVD. #210 MAITLAND, FL 32751 | TRUSTMARK INSURANCE COMPANY | $220 | — | $220 | 1.94% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $176K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 370 | $198K |
| Life insurance(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 298 | $527K |
| Short-term disability(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 298 | $516K |
| Long-term disability(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 298 | $516K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 298 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.