| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDALL P SATTERFIELD3 | 10550 INDEPENDENCE PT PKW SUITE 203 MATTHEWS, NC 28105 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $29K | — | $29K | 3.55% |
| E BROKER QUOTE LLC3 | 10275 W. HIGGINS RD SUITE 500 ROSEMONT, IL 60018 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $10K | $672 | $11K | 1.31% |
| RANDALL P SATTERFIELD3 | 5332 FINSBURY PLACE CHARLOTTE, NC 28211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.61% |
| KAREN S WELLS ZELINSKE3 | 2502 ORCHARD BEACH RD MCHENRY, IL 60050 | AFLAC | $2K | $50 | $2K | 3.74% |
| JANE W FAUST3 | 398 CRESTSIDE DR SE CONCORD, NC 28025 | AFLAC | $1K | $33 | $1K | 2.57% |
| BLAKE A THOMAS JR3 | 435 CHANTENAY PLACE JOHNS CREEK, GA 30022 | AFLAC | $498 | $57 | $555 | 1.32% |
| DAVID JACOB HOLPER3 | 22937 ARLINGTON AVE STE 102 TORRANCE, CA 90501 | AFLAC | $490 | $58 | $548 | 1.30% |
| MONICA L LEIVA3 | 556 N ARTESIAN AVE CHICAGO, IL 60612 | AFLAC | $336 | — | $336 | 0.80% |
| TINA BLUE3 | 1440 OLD LENOIR RD STE D HICKORY, NC 28601 | AFLAC | $328 | — | $328 | 0.78% |
| H J SAMAAN INC3 | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $229 | $10 | $239 | 0.57% |
| ALEXANDER NEJADEH JR3 | PO BOX 2523 SANTA FE SPRINGS, CA 90670 | AFLAC | $220 | — | $220 | 0.52% |
| ELIZABETH F HARKEY3 | 501 N CHURCH ST STE 300 CHARLOTTE, NC 28202 | AFLAC | $209 | — | $209 | 0.50% |
| AMY F KLUTTZ3 | 2581 ESSEX DRIVE CONCORD, NC 28025 | AFLAC | $177 | $22 | $199 | 0.47% |
| JOHN H VRATSINAS3 | 1142 W MADISON #305 CHICAGO, IL 60607 | AFLAC | $134 | — | $134 | 0.32% |
| SUMMER L CAIN3 | 1700 N FARNSWORTH AVE STE 25 AURORA, IL 60505 | AFLAC | $133 | — | $133 | 0.32% |
| GWEN NICHOLS BUTLER3 | 1440 OLD LENOIR RD STE D HICKORY, NC 28601 | AFLAC | $92 | $22 | $114 | 0.27% |
| TINA BLUE3 | 1685 LEMMING DR CONCORD, NC 28205 | AFLAC | $36 | $76 | $112 | 0.27% |
| KRISTEN BRUNZELL3 Filed as: KRISTEN M BRUNZELL | 17291 IRVINE BLVD STE 385 TUSTIN, CA 92780 | AFLAC | $98 | $12 | $110 | 0.26% |
| LISA PORTER3 Filed as: LISA L PORTER | 107 N ARCADIAN WAY MOORESVILLE, NC 28117 | AFLAC | $101 | — | $101 | 0.24% |
| WILLIAM P FLEMING3 | 1511 BRENTWOOD PL MORGANTON, NC 28655 | AFLAC | $85 | — | $85 | 0.20% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DR BLOOMINGDALE, IL 60108 | AFLAC | $69 | — | $69 | 0.16% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $61 | — | $61 | 0.14% |
| SARAH CHIESA3 | 7838 W RASCHER AVE CHICAGO, IL 60656 | AFLAC | $59 | — | $59 | 0.14% |
| CLAY W CAMPBELL3 | 14720 LIBLEN AVE BELLFLOWER, CA 90706 | AFLAC | $59 | — | $59 | 0.14% |
| MICHAEL SALVAGGIO3 | 1510 GLEN LAKE ROAD HOFFMAN ESTATES, IL 60169 | AFLAC | $58 | — | $58 | 0.14% |
| GRENNEN AND ASSOCIATES LTD3 | 490 E ROOSEVELT RD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $46 | $10 | $56 | 0.13% |
| MELISSA K SWAN3 | 204 S 35TH ST STE 100 COUNCIL BLUFFS, IA 51501 | AFLAC | $54 | — | $54 | 0.13% |
| ELENI A KRAUSE3 | 50 HURT PLZ SE STE 995 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $40 | $12 | $52 | 0.12% |
| ROBERT HESLEP3 | 6680 RIVER ISLAND CIRCLE BUFORD, GA 30518 | AFLAC | $40 | $11 | $51 | 0.12% |
| DENNIS J CASSENS3 | 3422 COLONY BAY DRIVE STE 1 ROCKFORD, IL 61109 | AFLAC | $47 | — | $47 | 0.11% |
| SHELLY COLE MORGAN3 | 7140 U.S. HIGHWAY 52 SALISBURY, NC 28146 | AFLAC | $40 | — | $40 | 0.09% |
| ISAAC H FAUST JR3 | PO BOX 12889 JACKSON, WY 83002 | AFLAC | $37 | — | $37 | 0.09% |
| JASON N DOIG3 | 1932 E DEERE AVE SUITE 240 SANTA ANA, CA 92705 | AFLAC | $24 | $12 | $36 | 0.09% |
| CHAD NELSON3 | 490 EAST ROOSEVELT ROAD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $35 | — | $35 | 0.08% |
| DUSTIN ROBERT JOHNSON3 | 50 HURT PLZ SE STE 995 ATLANTA, GA 30303 | AFLAC | $35 | — | $35 | 0.08% |
| JASON N DOIG3 | 1932 E DEERE AVE SUITE 240 SANTA ANA, CA 92705 | AFLAC | $33 | — | $33 | 0.08% |
| H HOWARD THOMSON3 | 65 PINE AVE 102 LONG BEACH, CA 90802 | AFLAC | $26 | — | $26 | 0.06% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD STE 1 BYRON, IL 61010 | AFLAC | $25 | — | $25 | 0.06% |
| MICHAEL ROBERT YURCZYK3 | 5810 W 78TH ST STE 210 EDINA, MN 55439 | AFLAC | $25 | — | $25 | 0.06% |
| ORLANDO R DOBRINCU3 | 15419 W 127TH STREET LEMONT, IL 60439 | AFLAC | $23 | — | $23 | 0.05% |
| BARBIER GROUP INC3 | 414 N ORLEANS ST STE 601 CHICAGO, IL 60654 | AFLAC | $19 | — | $19 | 0.05% |
| MICHAEL I STONESIFER3 | 14674 PEPPERIDGE AVE GRAND HAVEN, MI 49417 | AFLAC | $19 | — | $19 | 0.05% |
| ELIZABETH M GASPAROVIC3 | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $18 | — | $18 | 0.04% |
| KATHLEEN S HANSON3 | 2581 HILLCREST STREET SIGNAL HILL, CA 90755 | AFLAC | $17 | — | $17 | 0.04% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $15 | — | $15 | 0.04% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD STE 254 NORTHRIDGE, CA 91325 | AFLAC | $15 | — | $15 | 0.04% |
| RODNEY A MCCLURE3 | 606 REDBUD TERRACE CANTON, GA 30115 | AFLAC | $14 | — | $14 | 0.03% |
| SUMMER L CAIN3 | 490 E ROOSEVELT RD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $14 | — | $14 | 0.03% |
| DANIEL E ZECKMAN3 | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $12 | — | $12 | 0.03% |
| ROBERT STALTER3 Filed as: ROBERT F MIASKOWSKI | 1751 OCONEE PLACE THE VILLAGES, FL 32162 | AFLAC | $11 | — | $11 | 0.03% |
| MIKE YURCZYK3 | 901 MARQUETTE AVE STE 1500 MINNEAPOLIS, MN 55402 | AFLAC | $10 | — | $10 | 0.02% |
| DAVID C CLOUD JR3 | 1301 SHILOH RD NW STE 1020 KENNESAW, GA 30144 | AFLAC | $10 | — | $10 | 0.02% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $8 | — | $8 | 0.02% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $7 | — | $7 | 0.02% |
| ALONZO H KENNIEBREW3 | 2507 WESTERN AVE WAUKEGAN, IL 60087 | AFLAC | $7 | — | $7 | 0.02% |
| KAREN M HUGHES3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $6 | — | $6 | 0.01% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $6 | — | $6 | 0.01% |
| ASHLEY SHAW LLC3 | 603 E WASHINGTON ST STE 100 INDIANAPOLIS, IN 46204 | AFLAC | $6 | — | $6 | 0.01% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $5 | — | $5 | 0.01% |
| BELINDA WEBER3 | 2828 ISLAND POINT DR NW CONCORD, NC 28027 | AFLAC | $4 | — | $4 | 0.01% |
| M SHUSTER3 | 5250 GRAND AVE STE 14 #363 GURNEE, IL 60031 | AFLAC | $3 | — | $3 | 0.01% |
| TODD V MASON3 | 6164 LAWRENCE ST CYPRESS, CA 90630 | AFLAC | $3 | — | $3 | 0.01% |
| ADAM D ORTIZ3 | 300 N STATE ST APT 2130 CHICAGO, IL 60654 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY PAUL SEPESI3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $3 | — | $3 | 0.01% |
| THOMAS ROBERT GIDDENS3 | P O BOX 2517 KENNESAW, GA 30156 | AFLAC | $3 | — | $3 | 0.01% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $3 | — | $3 | 0.01% |
| RONALD S SANDERS3 | 1194 E LAKEVIEW DRT SAN TAN VALLEY, AZ 85143 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY B POPE3 | 4452 TRAILSIDE CT HOFFMAN ESTATES, IL 60192 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | 0.00% |
| JULIE W CRAIG3 | 15655 77TH TRL N PALM BEACH GARDENS, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $1 | — | $1 | 0.00% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $1 | — | $1 | 0.00% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.00% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 199 | $821K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $151K |
| Vision | AFLAC | 62 | $42K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $151K |
| Short-term disability | AFLAC | 62 | $42K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $109K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 199 | $972K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.