| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICE | 1401 S BRENTWOOD BLVD STE 625 ST LOUIS, MO 63144 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 2.50% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INS AGENCY INC | PO BOX 1090 PARIS, IL 61944 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 13.71% |
| ELAINE A WRINKLE3 Filed as: ELAINE WRINKLE | 404 TICKSEED AVE SAVOY, IL 61874 | AFLAC | $212 | $17 | $229 | 5.84% |
| MELISSA MALONEY3 | 3924 TRAILWAY DR CHAMPAIGN, ID 61822 | AFLAC | $140 | $17 | $157 | 4.01% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $40 | — | $40 | 1.02% |
| SHARYL BATHE3 | 120 S 8TH STREET MATTOON, IL 61938 | AFLAC | $27 | $7 | $34 | 0.87% |
| EDWARD AYERS3 Filed as: EDWARD T AYERS | 817 BALBOA RD CHAMPAIGN, IL 61820 | AFLAC | $32 | — | $32 | 0.82% |
| MICHAEL RAY ROBINS3 | 3812 NANTUCKET DR PLANO, TX 75023 | AFLAC | $23 | $7 | $30 | 0.77% |
| TRAVIS COCKBURN3 | 402 N MAIN ST BENTON, IL 62812 | AFLAC | $12 | $7 | $19 | 0.48% |
| CHRISTOPHER RYAN CORDON3 | 1080 BLACKHAWK DR ELGIN, IL 60120 | AFLAC | $18 | — | $18 | 0.46% |
| GARY W WARE JR3 | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $13 | — | $13 | 0.33% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $9 | — | $9 | 0.23% |
| HARRY HOAGLAND3 Filed as: HARRY H HOAGLAND | 405 EVANS ST COVINGTON, IN 47932 | AFLAC | $7 | — | $7 | 0.18% |
| MISHA PORTER3 | 275 E COURT ST SUITE 208 KANKAKEE, IL 60901 | AFLAC | $6 | — | $6 | 0.15% |
| JOSEPH FEJES3 | PO BOX 7767 CHAMPAIGN, IL 61826 | AFLAC | $6 | — | $6 | 0.15% |
| SHAUNA B HAUSLE3 Filed as: SHAUNA HAUSLE | 116 W LINCOLN AVE OGDEN, IL 61859 | AFLAC | $3 | — | $3 | 0.08% |
| JOHN W. LENZ3 Filed as: JOHN LENZ | 399 N LYNN AVE REPUBLIC, MO 65738 | AFLAC | $2 | — | $2 | 0.05% |
| TERRY SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 62812 | AFLAC | $1 | — | $1 | 0.03% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 158 | $870K |
| Dental | DELTA DENTAL OF ILLINOIS | 181 | $77K |
| Vision | VISION SERVICE PLAN | 81 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 525 | $52K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 525 | $52K |
| Other | AFLAC | 7 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.