| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADFORD DILLION3 Filed as: BRADFORD A PETIT | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $27K | $0 | $27K | 2.26% |
| MARK F BAILEY3 Filed as: MARK FRANKLIN BAILEY | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $20K | $0 | $20K | 1.69% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $16K | $0 | $16K | 1.38% |
| EUCLID INSURANCE SERVICES INC5 | 234 SPRING LAKE DR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $10K | $25K | 22.81% |
| MICHAEL L. SEBENS3 Filed as: MICHAEL P PETERS | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.70% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES INC | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.23% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $691 | $0 | $691 | 2.29% |
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 | 401 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 208 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $111K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $111K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $111K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $30K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.