| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING INC | 2426 W CORNERSTONE CT PEORIA, IL 61614 | BLUE CROSS BLUE SHIELD | $25K | — | $25K | 2.24% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING INC | 2426 W CORNERSTONE CT PEORIA, IL 61614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.91% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING INC | 2426 W CORNERSTRON CT PEORIA, IL 61614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING INC | 2426 W CORNERSTONE CT PEORIA, IL 61614 | VISION SERVICE PLAN | $2K | — | $2K | 7.57% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING, INC. | 2426 W CORNERSTONE COURT PEORIA, IL 61614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING, INC. | 2426 W CORNERSTONE COURT PEORIA, IL 61614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $236 | — | $236 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VISION SERVICE PLAN EIN 06-1227840 | Contract Administrator Service code 13 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | $8K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 INSURANCE COMPANY | Insurance services Service code 23 | 300 EAST RANDOLPH STREET CHICAGO, IL 60601 | $0 |
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 | 572 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 211 | $1.1M |
| Vision | VISION SERVICE PLAN | 201 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 591 | $65K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $22K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 77 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.