| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES NATIONAL INC | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 2.30% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.22% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE, LLC | PO BOX 1090 110 W COURT ST PARIS, IL 61944 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.92% |
| ASSUREDPARTNERS3 Filed as: DIMOND BROS INSURANCE LLC | PO BOX 1090 PARIS, IL 61944 | HARTFORD LIFE AND ACCIDENT | $489 | — | $489 | 12.67% |
| ELAINE A WRINKLE3 Filed as: ELAINE WRINKLE | 404 TICKSEED AVE SAVOY, IL 61874 | AFLAC | $718 | $14 | $732 | 20.24% |
| MELISSA MALONEY3 Filed as: MELISSA M MALONEY | 3924 TRAILWAY DRIVE CHAMPAIGN, IL 61822 | AFLAC | $215 | $14 | $229 | 6.33% |
| TARA M JORDAN3 | 800 LAKESHORE DRIVE TUSCOLA, IL 61953 | AFLAC | $222 | $5 | $227 | 6.28% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD STREET STE 259 MEMPHIS, TN 38119 | AFLAC | $20 | $5 | $25 | 0.69% |
| MELYNDA C GASSER3 | PO BOX 1403 LEBANON, TN 37088 | AFLAC | $22 | — | $22 | 0.61% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $20 | — | $20 | 0.55% |
| JOHN T JEWELL3 | 2428 AULDRIDGE DRIVE CHRISTIANA, TN 37037 | AFLAC | $10 | — | $10 | 0.28% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $6 | — | $6 | 0.17% |
| GARY W WARE JR3 | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $4 | — | $4 | 0.11% |
| HARRY HOAGLAND3 | 405 EVANS ST COVINGTON, IN 47932 | AFLAC | $4 | — | $4 | 0.11% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.06% |
| BRIAN R KIMMEL3 | 309 BRAESWICK DRIVE LAKE ST LOUIS, MO 63367 | AFLAC | $1 | — | $1 | 0.03% |
| JAY S OLEARY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.03% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.03% |
| NICHOLAS MEREDITH4 | 606 SAINT ANDREWS CIRCLE RANTOUL, IL 61866 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $346 | — | $346 | 17.84% |
| GARY LONGFELLOW4 | 602 WESTERN HILLS DRIVE MAHOMET, IL 61853 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $70 | — | $70 | 3.61% |
| TONYA M MACK4 | 5023 W QUINCY STREET CHICAGO, IL 60644 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 1.19% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | 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 | 150 | $868K |
| Dental | DELTA DENTAL OF ILLINOIS | 172 | $74K |
| Vision | VISION SERVICE PLAN | 87 | $10K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $63K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $47K |
| Other(2 contracts, 2 carriers) | AFLAC | 15 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
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.