| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE M BRUMMEL IV Filed as: JOE MICHAEL BRUMMEL | 6504 CARLISLE BEND SPRINGFIELD, IL 62711 | HEALTHCARE SERVICE CORPORATION | $50K | — | $50K | 1.05% |
| KEITH RECHNER Filed as: KEITH E RECHNER | 7517 WENTWORTH SPRINGFIELD, IL 62711 | HEALTHCARE SERVICE CORPORATION | $6K | — | $6K | 0.12% |
| JOE M BRUMMEL IV | 6504 CARLISLE BEND SPRINGFIELD, IL 62711 | STARMOUNT LIFE INSURANCE COMPANY | $49K | — | $49K | 12.06% |
| KEITH RECHNER | 7517 WENTWORTH DR SPRINGFIELD, IL 62711 | STARMOUNT LIFE INSURANCE COMPANY | $24K | — | $24K | 5.94% |
| ROGERS BENEFIT GROUP INC | STE 234 5110 N 40TH ST PHOENIX, AZ 85018 | STARMOUNT LIFE INSURANCE COMPANY | $20K | — | $20K | 5.00% |
| JOE M BRUMMEL IV | 6504 CARLISLE BEND SPRINGFIELD, IL 62711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 11.11% |
| KEITH RECHNER | 7517 WENTWORTH DR SPRINGFIELD, IL 62711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.47% |
| ROGERS BENEFIT GROUP INC | STE 234 5110 N 40TH ST PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.00% |
| JOE M BRUMMEL IV | 6504 CARLISLE BEND SPRINGFIELD, IL 62711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.05% |
| ROGERS BENEFIT GROUP INC | STE 234 5110 N 40TH ST PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| KEITH RECHNER | 7517 WENTWORTH DR SPRINGFIELD, IL 62711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.95% |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHCARE SERVICE CORPORATION | 798 | $4.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 425 | $410K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 425 | $410K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $231K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $231K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $231K |
| Prescription drug | HEALTHCARE SERVICE CORPORATION | 798 | $4.8M |
| Stop-loss / reinsurancereinsurance | HEALTHCARE SERVICE CORPORATION | 798 | $4.8M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.