| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | — | BLUECROSS BLUESHIELD OF ILLINOIS | $30K | $31K | $61K | 7.63% |
| MIDWESTERN INS ASSOC AGY INC Filed as: MIDWESTERN INSURANCE ASSOCIATE | — | DELTA DENTAL OF ILLINOIS | $5K | $0 | $5K | 8.19% |
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY | 2201 WOODLAWN RD PO BOX 370 LINCOLN, IL 62656 | DEARBORN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.61% |
| GROUP MARKETING SERVICES INC3 | 2201 WOODLAWN ROAD LINCOLN, IL 62656 | DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.44% |
| MIDWESTERN INS ASSOC AGY INC Filed as: MIDWESTERN INS ASSOC AGENCY IN | PO BOX 410 MINIER, IL 61759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $162 | $3K | 14.44% |
| MIDWESTERN INS ASSOC AGY INC Filed as: MIDWESTERN INSURANCE ASSOC AGN. INC | PO BOX 410 MINIER, IL 61759 | VISION SERVICE PLAN | $813 | — | $813 | 5.69% |
| MIDWESTERN INS ASSOC AGY INC Filed as: MIDWESTERN INS ASSOC AGENCY IN | PO BOX 410 MINIER, IL 61759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $447 | $33 | $480 | 9.84% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 200 | $802K |
| Dental | DELTA DENTAL OF ILLINOIS | 81 | $56K |
| Vision | VISION SERVICE PLAN | 77 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $28K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 52 | $46K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 52 | $46K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 133 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.