| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN J HEILIGENSTEIN3 | P O BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.46% |
| AUFFENBERG INS SVCS LLC3 Filed as: AUFFENBERG INSURANCE SVCS, LLC | 921 S. ILLINOIS STREET BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.66% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $498 | — | $498 | 1.12% |
| AUFFENBERG INSURANCE GROUP3 | 117 AUTO COURT OFALLON, IL 62269 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $309 | — | $309 | 0.70% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 186 | $44K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 186 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.