| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMEC AVE STE 300 ST LOUIS, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 10.00% |
| STEVEN J HEILIGENSTEIN3 | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.87% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.17% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.52% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $395 | — | $395 | 1.33% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $177 | — | $177 | 0.60% |
| STEVEN J HEILIGENSTEIN3 | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.56% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.83% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $911 | — | $911 | 3.13% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $434 | — | $434 | 1.49% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $351 | — | $351 | 1.21% |
| JOSEPH FEJES3 | PO BOX 7767 CHAMPAIGN, IL 61826 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| 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 | $767 | — | $767 | 12.79% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | — | $148 | 2.47% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 1.43% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 1.18% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.60% |
| 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 | $379 | — | $379 | 6.96% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | — | $211 | 3.88% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 3.31% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.62% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.46% |
| REBECCA HEPFER3 | 921 OLDE FARM ROAD TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.17% |
| STEVEN J HEILIGENSTEIN3 | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 11.30% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $162 | — | $162 | 10.01% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 9.64% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113 | — | $113 | 6.98% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RXBENEFITS, INC. EIN 63-1157085 PHARMACY BENEFIT ADVISOR | Claims processing Service code 12 | — | $302K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $140K |
| 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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 112 | $29K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 201 | $284K |
| Other(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 54 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.