| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | SYMETRA | $78K | — | $78K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $5K | $701 | $6K | 3.55% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR STE 260 TROY, MI 48098 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $4K | — | $4K | 2.69% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.15% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL STE 900 DENVER, CO 80202 | HUMANA HEALTH PLAN, INC. | $6K | $800 | $6K | 14.40% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | HUMANADENTAL INSURANCE COMPANY | $733 | $17 | $750 | 5.42% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR STE 260 TROY, MI 48098 | HUMANADENTAL INSURANCE COMPANY | $501 | — | $501 | 3.62% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL STE 900 DENVER, CO 80202 | HUMANA INSURANCE COMPANY | $1K | $1K | $2K | 19.47% |
| LISA M LOUDIN3 Filed as: LISA LOUDIN | 2129 GUILFORD RD ROCKFORD, IL 61107 | AFLAC | $192 | — | $192 | 3.64% |
| ANDREW C KRAUSS3 Filed as: ANDREW KRAUSS | 6441 GARRETT LN ROCKFORD, IL 61107 | AFLAC | $154 | — | $154 | 2.92% |
| PETER J TEKAMPE3 Filed as: PETER TEKAMPE | 815 N CHURCH ST ROCKFORD, IL 61103 | AFLAC | $87 | — | $87 | 1.65% |
| LYNETTE R STEVENS3 Filed as: LYNETTE STEVENS | 203 ASHWOOD DR SYCAMORE, IL 60178 | AFLAC | $42 | — | $42 | 0.80% |
| AMY KNUTSON3 | 421 HIGGINS DR EVANSVILLE, WI 53536 | AFLAC | $27 | — | $27 | 0.51% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $23 | — | $23 | 0.44% |
| VINCE SCALETTA3 | 4552 N OTTAWA AVE NORRIDGE, IL 60706 | AFLAC | $21 | — | $21 | 0.40% |
| JONATHAN H EVERETT3 Filed as: JONATHAN EVERETT | 1613 NEWMAN ST JANESVILLE, WI 53545 | AFLAC | $15 | — | $15 | 0.28% |
| ORLANDO R DOBRINCU3 Filed as: ORLANDO DOBRINCU | 837 LINDEN CIR HOFFMAN ESTATES, IL 60169 | AFLAC | $13 | — | $13 | 0.25% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $13 | — | $13 | 0.25% |
| GLEN T SCHWEIKERT3 Filed as: GLEN SCHWEIKERT | 2211 HIGHLANDS SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $12 | — | $12 | 0.23% |
| ADRIANA D KRAUSS3 Filed as: ADRIANA KRAUSS | 6441 GARRETT LN ROCKFORD, IL 61107 | AFLAC | $8 | — | $8 | 0.15% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $5 | — | $5 | 0.09% |
| TODD DEVOSS3 | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $3 | — | $3 | 0.06% |
| WILLIAM F MURRAY III3 Filed as: WILLIAM MURRAY III | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $3 | — | $3 | 0.06% |
| SCALETTA INSURANCE AGENCY INC3 | 4552 N OTTAWA AVE NORRIDGE, IL 60706 | AFLAC | $3 | — | $3 | 0.06% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $2 | — | $2 | 0.04% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $1 | — | $1 | 0.02% |
| MICHAEL J SKOFF3 Filed as: MICHAEL SKOFF | 815 N CHURCH ST ROCKFORD, IL 61103 | AFLAC | $1 | — | $1 | 0.02% |
| STEPHEN KELLS3 | 514 MAYFAIR CT GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | 0.02% |
| LISA QUISENBERRY3 | 638 EVANS AVE SAINT LOUIS, MO 63122 | AFLAC | $1 | — | $1 | 0.02% |
| NANCY ANN CLEMENTS3 Filed as: NANCY CLEMENTS | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $46 | $18 | $64 | 2.02% |
| MARY E MURPHY3 Filed as: MARY MURPHY | 469 ANDOVER WOODS CT FENTON, MI 48430 | AFLAC | $59 | — | $59 | 1.86% |
| CHARLES S HIMELHOCH JR3 Filed as: CHARLES HIMELHOCH JR | 24111 CIVIC CENTER DR APT 722 SOUTHFIELD, MI 48033 | AFLAC | $52 | — | $52 | 1.64% |
| KRAIG SEXTON3 | 9864 E GRAND RIVER AVE STE 110 #292 BRIGHTON, MI 48116 | AFLAC | $41 | — | $41 | 1.30% |
| KATHRYN ERIN MCNEIL3 Filed as: KATHRYN MCNEIL | 3001 AQUA MARINE BLVD AVON LAKE, OH 44012 | AFLAC | $36 | — | $36 | 1.14% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD, MI 48304 | AFLAC | $32 | — | $32 | 1.01% |
| SPAZ AND GLAUB ENTERPRISES3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $25 | — | $25 | 0.79% |
| STEPHEN GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $10 | $4 | $14 | 0.44% |
| KIMBERLEY M MCNULTY3 Filed as: KIMBERLEY MCNULTY | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $6 | $4 | $10 | 0.32% |
| RANDALL D LADNER3 Filed as: RANDALL KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $2 | — | $2 | 0.06% |
| HEIDI E GLAUB3 Filed as: HEIDI GLAUB | 1325 OAK HOLLOW DR MILFORD, MI 48380 | AFLAC | $2 | — | $2 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | COMPBENEFITS INSURANCE COMPANY | $105 | $3 | $108 | 5.64% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR STE 260 TROY, MI 48098 | COMPBENEFITS INSURANCE COMPANY | $80 | — | $80 | 4.18% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL STE 900 DENVER, CA 80202 | HUMANA INSURANCE COMPANY | $124 | $1K | $1K | 90.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE ROAD PHIPPS TOWER SUITE 1100 ATLANTA, GA 30326 | HUMANA INSURANCE COMPANY | $79 | $1 | $80 | 8.77% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR STE 260 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $57 | — | $57 | 6.25% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 22 | $157K |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 18 | $24K |
| Vision(2 contracts, 2 carriers) | COMPBENEFITS INSURANCE COMPANY | 16 | $3K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $29K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA | 207 | $600K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.