| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE M BRUMMEL IV Filed as: JOE MICHAEL BRUMMEL | 3161 W WHITE OAKS DR STE 105 SPRINGFIELD, IL 62704 | HEALTH CARE SERVICE CORPORATION | $52K | — | $52K | 1.03% |
| KEITH RECHNER Filed as: KEITH E RECHNER | 3161 W WHITE OAKS DR STE 105 SPRINGFIELD, IL 62704 | HEALTH CARE SERVICE CORPORATION | $6K | — | $6K | 0.11% |
| JOE M BRUMMEL IV3 Filed as: JOE MICHAEL BRUMMEL | 3161 W WHITE OAKS DR STE 105 SPRINGFIELD, IL 62704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $100K | — | $100K | 11.97% |
| KEITH RECHNER3 Filed as: KEITH E RECHNER | 3161 W WHITE OAKS DR STE 105 SPRINGFIELD, IL 62704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 5.90% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 819 | $5.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 509 | $838K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 509 | $838K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 509 | $838K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 509 | $838K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 509 | $838K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 819 | $5.0M |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION | 819 | $5.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 509 | $838K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.