| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | BLUECROSS BLUESHIELD OF ILLINOIS | $52K | — | $52K | 3.85% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA ST BETTENDORF, IA 52722 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 11.80% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES INC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | DELTA DENTAL OF ILLINOIS | $6K | — | $6K | 7.05% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES LLC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | PROTEC INSURANCE COMPANY | $1K | — | $1K | 10.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | THE HARTFORD LIFE AND ACCIDENT | — | $638 | $638 | 17.01% |
| GROUP BENEFITS LTD3 Filed as: GROUP SERVICES INC | 3066 VICTORIA STREET BETTENDORF, IA 52722 | THE HARTFORD LIFE AND ACCIDENT | $563 | — | $563 | 15.01% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 211 | $1.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 169 | $81K |
| Vision | PROTEC INSURANCE COMPANY | 154 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $85K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $85K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.