| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.37% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING INC | 2426 W CORNERSTONE CT PEORIA, IL 61614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $560 | $3K | 12.62% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING, INC. | 2426 W CORNERSTONE COURT PEORIA, IL 61614 | VISION SERVICE PLAN | $2K | — | $2K | 8.68% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING INC | 2426 W CORNERSTONE CT PEORIA, IL 61614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $302 | $2K | 12.17% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING INC | 2426 W CORNERSTRON CT PEORIA, IL 61614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $284 | $39 | $323 | 17.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VISION SERVICE PLAN EIN 06-1227840 | Contract Administrator Service code 13 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | $8K |
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 | 826 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD | 288 | $84K |
| Vision | VISION SERVICE PLAN | 188 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 567 | $66K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $21K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.