| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE M BRUMMEL IV3 Filed as: JOE MICHAEL BRUMMEL | 6504 CARLISLE BND SPRINGFIELD, IL 62711 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $61K | $61K | 0.89% |
| KEITH RECHNER3 Filed as: KEITH E RECHNER | 3161 W WHITE OAKS DR SPRINGFIELD, IL 62704 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 0.12% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - MISSOURI | 475 N MARTINGALE RD STE 950 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 0.07% |
| JOE M BRUMMEL IV3 Filed as: JOE MICHAEL BRUMMEL | 13161 W WHITE OAKS DR STE 105 SPRINGFIELD, IL 62704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $117K | — | $117K | 11.71% |
| KEITH RECHNER3 Filed as: KEITH E RECHNER | 3161 W WHITE OAKS DR STE105 SPRINGFIELD, IL 62704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | — | $57K | 5.72% |
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 | 507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 981 | $6.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 507 | $1.0M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 507 | $1.0M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 507 | $1.0M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 507 | $1.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 507 | $1.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 507 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.