| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARMEN R EIGENBAUER3 Filed as: CARMEN R. EIGENBAUER | 520 SOUTH RAILROAD AVENUE BUCKLEY, IL 60918 | AFLAC | $11K | $325 | $11K | 13.15% |
| AARON J DUNNILL3 Filed as: AARON J. DUNNILL | 1137 EAST 5000N ROAD BOURBONNAIS, IL 60914 | AFLAC | $7K | $227 | $7K | 8.46% |
| ROBERT F SINN3 Filed as: ROBERT F. SINN | 127 GRAY DRIVE GILMAN, IL 60938 | AFLAC | $3K | $22 | $3K | 3.16% |
| MICAH RYAN MOODY AND OTHER AGENTS3 | 1512 MONTGOMERY STREET URBANA, IL 61802 | AFLAC | $1K | $43 | $1K | 1.75% |
| REBECCA E WILLIAMSON3 Filed as: REBECCA E. WILLIAMSON | 811 BRIAN DRIVE MANTENO, IL 60950 | AFLAC | $515 | $0 | $515 | 0.60% |
| BRIAN CHRONISTER3 | 10337 SOUTH ALBANY AVENUE CHICAGO, IL 60655 | AFLAC | $360 | $0 | $360 | 0.42% |
| ANDREW JAMES LOUKS3 | 1237 PERRYSVILLE AVENUE, LOT D2 DANVILLE, IL 61832 | AFLAC | $243 | $23 | $266 | 0.31% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 66 | $86K |
| Vision | AFLAC | 66 | $86K |
| Life insurance | AFLAC | 66 | $86K |
| Other | AFLAC | 66 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.