| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $7K | $42K | 17.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| DEBORAH A GUILBEAULT3 Filed as: DEBORAH A. GUILBEAULT | 120 VALLEY VIEW DRIVE ALGONQUIN, IL 60102 | AFLAC | $2K | $20 | $2K | 6.64% |
| CAPITIVE RESOURCES INS SVCS, INC.3 | 1100 NORTH ARLINGTON HEIGHTS ROAD SUITE 400 ITASCA, IL 60143 | AFLAC | $1K | $0 | $1K | 4.97% |
| KANDACE M MCCARTHY3 Filed as: KANDACE M. MCCARTHY & OTHER AGENTS | 143 WEST WARFIELD DRIVE MOORESVILLE, NC 28115 | AFLAC | $574 | $5 | $579 | 2.50% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH M. GASPAROVIC | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $517 | $0 | $517 | 2.24% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL E. MCCARTHY | 143 WEST WARFIELD DRIVE MOORESVILLE, NC 28115 | AFLAC | $216 | $5 | $221 | 0.96% |
| KELLY V ZURZOLO3 Filed as: KELLY V. ZURZOLO | 535 ABBEYWOOD DRIVE CARY, IL 60013 | AFLAC | $145 | $0 | $145 | 0.63% |
| GENE L NAUERT3 Filed as: GENE L. NAUERT | 4505 BILLINGSGATE LANE WOODSTOCK, IL 60098 | AFLAC | $139 | $0 | $139 | 0.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET CHICAGO, IL 60610 | CHUBB | $2K | $178 | $3K | 16.15% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 335 | $39K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 454 | $234K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 454 | $234K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 490 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.