| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL GENERAL NSM SALES CORP3 | 1100 NW COMPTON DR STE 200 HILLSBORO, OR 97006 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.22% |
| STEVEN J HEILIGENSTEIN3 | 22219 HUGO RD CENTRALIA, IL 62801 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.08% |
| AUFFENBERG INSURANCE GROUP3 Filed as: AUFFENBERG INSURANCE SERVICES LLC | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.08% |
| STEVEN J HEILIGENSTEIN3 | 22219 HUGO RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 20.83% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.95% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $874 | — | $874 | 3.72% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 0.40% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| STEVEN J HEILIGENSTEIN3 | 22219 HUGO RD CENTRALIA, IL 62801 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 7.00% |
| AUFFENBERG INSURANCE GROUP3 Filed as: AUFFENBERG INSURANCE SERVICES, LLC | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERITAS LIFE INSURANCE CORP | $543 | — | $543 | 3.00% |
| STEVEN J HEILIGENSTEIN3 | 22219 HUGO RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.99% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.99% |
| REBECCA HEPFER3 | 921 OLDE FARM ROAD TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.41% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 279 | $18K |
| Life insurance(3 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 127 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.