| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE MICHAEL BRUMMELL3 | 3161 W WHITE OAKS DR STE 105 SPRINGFIELD, IL 62711 | UNITED HEALTHCARE INSURANCE COMPANY | — | $58K | $58K | 1.00% |
| KEITH RECHNER3 Filed as: KEITH E RECHNER | 3161 W WHITE OAKS DR STE 105 SPRINGFIELD, IL 62711 | UNITED HEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.14% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - MISSOURI | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNITED HEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.08% |
| JOE MICHAEL BRUMMELL3 | 3161 W WHITE OAKS DR STE 105 SPRINGFIELD, IL 62704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $106K | — | $106K | 11.60% |
| KEITH RECHNER3 Filed as: KEITH E RECHNER | 3161 W WHITE OAKS DR STE 105 SPRINGFIELD, IL 62704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $52K | — | $52K | 5.71% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 913 | $5.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $914K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $914K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $914K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $914K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $914K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $914K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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.
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.