| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| K B GROUP SERVICES INC3 Filed as: K.B. GROUP SERVICES INC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | BLUECROSS BLUESHIELD OF ILLINOIS | $19K | $2 | $19K | 2.69% |
| CFM INSURANCE AGENCY3 Filed as: CFM/BEHRENS INSURANCE AGENCY | 50 NORTH BROCKWAY STREET SUITE 5-2 PALATINE, IL 60067 | BLUECROSS BLUESHIELD OF ILLINOIS | $9K | $677 | $10K | 1.38% |
| BOSS HOLDINGS INC3 | 1221 PAGE STREET KEWANEE, IL 61443 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4 | $4 | 0.00% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE AGENCY INC | 50 NORTH BROCKWAY STREET SUITE 5-2 PALATINE, IL 60067 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 4.68% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES | 3066 VICTORIA STREET BETTENDORF, IA 52722 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 3.68% |
| K B GROUP SERVICES INC3 Filed as: KB GROUP SERVICES INC | 3066 VICTORIA DRIVE BETTENDORF, IA 52722 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.59% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE AGENCY INC | 50 NORTH BROCKWAY STREET SUITE 5-2 PALATINE, IL 60067 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.64% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | THE HARTFORD LIFE AND ACCIDENT | — | $678 | $678 | 17.00% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE | 50 NORTH BROCKWAY STREET SUITE 5-2 PALATINE, IL 60007 | THE HARTFORD LIFE AND ACCIDENT | $598 | — | $598 | 14.99% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 127 | $713K |
| Dental | DELTA DENTAL OF ILLINOIS | 111 | $57K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $55K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $55K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.