| 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 | 8.48% |
| AUFFENBERG INS SVCS LLC3 Filed as: AUFFENBERG INSURANCE SVCS, LLC | 921 S. ILLINOIS STREET BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.44% |
| STEVEN J HEILIGENSTEIN3 | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.75% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $744 | — | $744 | 5.03% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $709 | — | $709 | 4.79% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $160 | — | $160 | 1.08% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.14% |
| STEVEN J HEILIGENSTEIN3 | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.91% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.84% |
| REBECCA HEPFER3 | 921 OLDE FARM ROAD TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.30% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.30% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.26% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 261 | $51K |
| Life insurance(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 101 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.