| 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 | 2.72% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 11.52% |
| ELAINE A WRINKLE3 Filed as: ELAINE WRINKLE | 404 TICKSEED AVE SAVOY, IL 61874 | AFLAC | $545 | — | $545 | 9.77% |
| MELISSA MALONEY3 | 3924 TRAILWAY DR CHAMPAIGN, IL 61822 | AFLAC | $415 | — | $415 | 7.44% |
| TARA M JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 61953 | AFLAC | $117 | — | $117 | 2.10% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $100 | — | $100 | 1.79% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $40 | — | $40 | 0.72% |
| MELYNDA C GASSER3 | PO BOX 1403 LEBANON, TN 37088 | AFLAC | $37 | — | $37 | 0.66% |
| EDWARD AYERS3 Filed as: EDWARD T AYERS | 817 BALBOA RD CHAMPAIGN, IL 61820 | AFLAC | $32 | — | $32 | 0.57% |
| MICHAEL RAY ROBINS3 | 3812 NANTUCKET DR PLANO, TX 75023 | AFLAC | $16 | — | $16 | 0.29% |
| JOHN T JEWELL3 | 1005 LOBLOLLY DRIVE MURPHEESBORO, TN 37128 | AFLAC | $15 | — | $15 | 0.27% |
| GARY W WARE JR3 | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $11 | — | $11 | 0.20% |
| SHARYL K BATHE3 | 1816 BROADWAY AVE MATTOON, IL 61938 | AFLAC | $10 | — | $10 | 0.18% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $10 | — | $10 | 0.18% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $9 | — | $9 | 0.16% |
| TRAVIS COCKBURN3 | 402 N MAIN ST BENTON, IL 62812 | AFLAC | $8 | — | $8 | 0.14% |
| HARRY HOAGLAND3 Filed as: HARRY H HOAGLAND | 405 EVANS ST COVINGTON, IN 47932 | AFLAC | $7 | — | $7 | 0.13% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.07% |
| CHRISTOPHER RYAN CORDON3 | 1080 BLACKHAWK DR ELGIN, IL 60120 | AFLAC | $2 | — | $2 | 0.04% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE E NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.04% |
| BRIAN R KIMMEL3 | 309 BRAESWICK DR LAKE ST LOUIS, MO 63367 | AFLAC | $1 | — | $1 | 0.02% |
| JASON HOFFARD3 | 3415 OFFICE PARK DR STE C MARION, IL 62959 | AFLAC | $1 | — | $1 | 0.02% |
| MARTHA MONCKTON3 | 2411 E GRANDVIEW AVE PEORIA, IL 61614 | AFLAC | $1 | — | $1 | 0.02% |
| JAY S OLEARY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.02% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 157 | $935K |
| Dental | DELTA DENTAL OF ILLINOIS | 173 | $66K |
| Vision | VISION SERVICE PLAN | 88 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 186 | $43K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 186 | $43K |
| Other | AFLAC | 10 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.