| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2205 POINT BOULEVARD, SUITE 200 ELGIN, IL 60123 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 12.20% |
| ASSUREDPARTNERS4 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | LEGALSHIELD | $162 | $0 | $162 | 7.84% |
| NICHOLAS MEREDITH4 | 1404 NORTH FRANKLIN STREET DANVILLE, IL 61832 | LEGALSHIELD | $83 | $0 | $83 | 4.02% |
| TANYA DECKERT3 Filed as: TANYA S. DECKERT | 3206 FAWN HILL COURT URBANA, IL 61802 | AFLAC | $125 | $0 | $125 | 8.77% |
| DEVIN M PEGRAM3 Filed as: DEVIN PEGRAM BALL AND OTHER AGENTS | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | AFLAC | $23 | $0 | $23 | 1.61% |
| JOHN W. LENZ3 | 399 NORTH LYNN AVENUE REPUBLIC, MO 65738 | AFLAC | $20 | $0 | $20 | 1.40% |
| ERIN B. FORSYTH3 | 37 NORTH VERMILION STREET DANVILLE, IL 61832 | AFLAC | $15 | $0 | $15 | 1.05% |
| MARVIN E HARSTON3 Filed as: MARVIN HARSTON | 908 NEWCASTLE DRIVE CHAMPAIGN, IL 61822 | AFLAC | $11 | $0 | $11 | 0.77% |
| SHARYL K BATHE3 Filed as: SHARYL K. JUNEAU | 622 ODD FELLWO ROAD MATTOON, IL 61938 | AFLAC | $10 | $0 | $10 | 0.70% |
| JAMES M BROCK3 Filed as: JAMES M. BROCK | 3116 WILLIAMSON COUNTY PARKWAY MARION, IL 62959 | AFLAC | $9 | $0 | $9 | 0.63% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $126K |
| Vision | VISION SERVICE PLAN | 74 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $126K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $127K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $126K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
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.