| 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 | $31K | — | $31K | 10.00% |
| STEVEN J HEILIGENSTEIN3 | 22219 HUGO RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 15.05% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.65% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.19% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | — | $167 | 0.51% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 0.30% |
| JOSEPH FEJES3 | PO BOX 7767 CHAMPAIGN, IL 61826 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| STEVEN J HEILIGENSTEIN3 | 22219 HUGO RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 11.80% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.50% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $601 | — | $601 | 2.01% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $299 | — | $299 | 1.00% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 0.80% |
| JOSEPH FEJES3 | PO BOX 7767 CHAMPAIGN, IL 61826 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| JASON JONES3 | 1657 EAST 80TH AVE MERRILLVILLE, IN 46410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| STEVEN J HEILIGENSTEIN3 | 22219 HUGO RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.96% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $256 | — | $256 | 2.93% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $150 | — | $150 | 1.72% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 1.21% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.23% |
| JASON JONES3 | 1657 EAST 80TH AVE MERRILLVILLE, IN 46410 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| STEVEN J HEILIGENSTEIN3 | 22219 HUGO RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $793 | — | $793 | 14.08% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $326 | — | $326 | 5.79% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | — | $142 | 2.52% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.39% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.25% |
| REBECCA HEPFER3 | 921 OLDE FARM ROAD TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.16% |
| STEVEN J HEILIGENSTEIN3 | 22219 HUGO RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $294 | — | $294 | 14.26% |
| AUFFENBERG INS SVCS LLC3 | 921 S ILLINOIS ST BELLEVILLE, IL 62220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 6.70% |
| HAILEY MANN3 | 1625 ZION HILL RD CENTRALIA, IL 62801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 2.62% |
| BENEFITS INC3 Filed as: BENEFITS SERVICES LLC | PO BOX 124 CARLYLE, IL 62231 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 2.04% |
| JESSICA HARRISON AGCY3 | 300 JARVIS CT SUITE #3 TROY, IL 62294 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.19% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 129 | $30K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $307K |
| Other(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 68 | $49K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.