| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE COMPANY | 2426 W CORNERSTONE CT PEORIA, IL 61614 | BLUE CROSS BLUE SHIELD | $56K | — | $56K | 2.52% |
| KEPPLE HEALTHCARE CONSULTING1 | 2426 W CORNERSTONE CT PEORIA, IL 61614 | STANDARD INSURANCE COMPANY | $9K | $2K | $11K | 7.50% |
| KEPPLE HEALTHCARE CONSULTING3 | 2426 W CORNERSTONE CT PEORIA, IL 61614 | STANDARD INSURANCE COMPANY | $14K | $4K | $18K | 14.87% |
| KEPPLE HEALTHCARE CONSULTING1 | 2426 W CORNERSTONE CT PEORIA, IL 61614 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 14.36% |
| KEPPLE HEALTHCARE CONSULTING1 | 2426 W CORNERSTONE CT PEORIA, IL 61614 | STANDARD INSURANCE COMPANY | $4K | $428 | $4K | 13.48% |
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 | 715 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 507 | $2.2M |
| Dental | STANDARD INSURANCE COMPANY | 346 | $145K |
| Vision | STANDARD INSURANCE COMPANY | 307 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 553 | $121K |
| Long-term disability | STANDARD INSURANCE COMPANY | 96 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.