| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMEC AVE SUITE 300 SAINT LOUIS, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 10.00% |
| STEVEN J HEILIGENSTEIN3 | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.17% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.94% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $823 | — | $823 | 2.42% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $521 | — | $521 | 1.53% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | — | $253 | 0.74% |
| JOSEPH FEJES3 | PO BOX 7767 CHAMPAIGN, IL 61826 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| STEVEN J HEILIGENSTEIN3 | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.98% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $797 | — | $797 | 2.87% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $757 | — | $757 | 2.73% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $481 | — | $481 | 1.73% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $405 | — | $405 | 1.46% |
| JOSEPH FEJES3 | PO BOX 7767 CHAMPAIGN, IL 61826 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| JASON JONES3 | 4888 CARNOUSTIE CT SUMMERVILLE, SC 29485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| STEVEN J HEILIGENSTEIN3 | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $450 | — | $450 | 6.27% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $216 | — | $216 | 3.01% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $146 | — | $146 | 2.03% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 1.03% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.61% |
| REBECCA HEPFER3 | 921 OLDE FARM ROAD TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| STEVEN J HEILIGENSTEIN3 | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $550 | — | $550 | 8.50% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $178 | — | $178 | 2.75% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 1.98% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 1.82% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.87% |
| JASON JONES3 | 4888 CARNOUSTIE CT SUMMERVILLE, SC 29485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| STEVEN J HEILIGENSTEIN3 | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 8.44% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 7.31% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 6.90% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 5.25% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 2.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RXBENEFITS, INC. EIN 63-1157085 PHARMACY BENEFIT ADVISOR | Claims processing Service code 12 | — | $397K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $131K |
| CARAVUS, LLC EIN 43-1699394 BROKER | Other commissions Service code 55 | 168 N MERAMEC AVE #300 SAINT LOUIS, MO 63105 | $13K |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 121 | $28K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $319K |
| Other(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 60 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.