| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN J PALAZZOLO AND MULTIPLE*3 Filed as: STEVEN J PALAZZOLO | 1339 N DEARBORN APT 11A CHICAGO, IL 60610 | AFLAC | $5K | $232 | $5K | 3.72% |
| KIM HAMMOND3 | 1 BANK STREET APT 5L NEW YORK, NY 10014 | AFLAC | $2K | $68 | $2K | 1.21% |
| VINCE SCALETTA3 | 4552 N OTTAWA AVE NORRIDGE, IL 60706 | AFLAC | $1K | $37 | $2K | 1.07% |
| DAVID BYER3 | 414 ELDRED STREET MAZOMANIE, WI 53560 | AFLAC | $1K | — | $1K | 0.91% |
| THOMA GROUP & ASSOCIATES LTD3 | 573 PINECREST DRIVE PORTER, IN 46304 | AFLAC | $1K | — | $1K | 0.77% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOCIATES LTD | 12121 WILSHIRE BLVD STE 1000 LOS ANGELES, CA 90025 | AFLAC | $731 | — | $731 | 0.52% |
| KLS AND ASSOCIATES3 Filed as: KLS AND ASSOCIATES INC | 1027 CREEKSIDE CIRCLE NAPERVILLE, IL 60563 | AFLAC | $731 | — | $731 | 0.52% |
| JOSHUA BALTOR3 | 11 AIRPORT BLVD SUITE 105 SOUTH SAN FRANCISCO, CA 94080 | AFLAC | $649 | $77 | $726 | 0.52% |
| JOANNA M ROCKWELL3 Filed as: JOANNA ROCKWELL | 303 W ERIE ST CHICAGO, IL 60654 | AFLAC | $573 | $10 | $583 | 0.41% |
| JIMMY LEE3 | 6942 N CENTRAL AVE CHICAGO, IL 60646 | AFLAC | $552 | — | $552 | 0.39% |
| AMANDA RISNER3 | 8813 PRIEST MEADOW CT MCKINNEY, TX 75071 | AFLAC | $482 | $39 | $521 | 0.37% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $483 | $20 | $503 | 0.36% |
| DAVID BYER3 | 414 ELDRED ST MAZOMANIE, WI 53560 | AFLAC | $499 | — | $499 | 0.36% |
| SAMUEL PERRY3 | PO BOX 51031 PASADENA, CA 91115 | AFLAC | $410 | — | $410 | 0.29% |
| MARY KWIETNIAK3 | PO BOX 941783 HOUSTON, TX 77094 | AFLAC | $316 | $37 | $353 | 0.25% |
| JESSICA Z CHONICH3 Filed as: JESSICA ZECK CHONICH | 4932 N CALIFORNIA AVE CHICAGO, IL 60625 | AFLAC | $315 | — | $315 | 0.22% |
| SCALETTA INSURANCE AGENCY INC3 | 4552 N OTTAWA AVE NORRIDGE, IL 60606 | AFLAC | $295 | $20 | $315 | 0.22% |
| KARRIE THOMA3 | 1027 CREEKSIDE CIRCLE NAPERVILLE, IL 60563 | AFLAC | $293 | — | $293 | 0.21% |
| SYLVIA PALMA3 | 30845 BAY SHORE DR BIG PINE KEY, FL 33043 | AFLAC | $279 | — | $279 | 0.20% |
| LEAH OUSLEY3 | 1255 S STATE ST UNIT 1017 CHICAGO, IL 60605 | AFLAC | $232 | — | $232 | 0.17% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 14 WALL ST STE 8C ATTN AFLAC NEW YORK, NY 10005 | AFLAC | $215 | $14 | $229 | 0.16% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 12121 WILSHIRE BLVD STE 1225 LOS ANGELES, CA 90025 | AFLAC | $220 | — | $220 | 0.16% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $195 | — | $195 | 0.14% |
| JEREMY M SKEETERS3 | 23645 N 55TH DR GLENDALE, AZ 85310 | AFLAC | $184 | — | $184 | 0.13% |
| COURTENAY LEE AMERLING3 Filed as: COURTENAY AMERLING | 26 TERRACE ROAD KATONAH, NY 10536 | AFLAC | $182 | — | $182 | 0.13% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $172 | — | $172 | 0.12% |
| ANNA JANICE RUIZ3 Filed as: ANNA RUIZ | 2596 17TH AVE SAN FRANCISCO, CA 94116 | AFLAC | $141 | $18 | $159 | 0.11% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $139 | — | $139 | 0.10% |
| JOURNEY INS GRP INC3 | 8761 WILES RD APT 203 CORAL SPRINGS, FL 33067 | AFLAC | $126 | — | $126 | 0.09% |
| SYLVIA ROSSI-MONTERO3 | 3109 GRAND AVE #412 COCONUT GROVE, FL 33133 | AFLAC | $126 | — | $126 | 0.09% |
| BRENT LYNN SCHNEIDER3 Filed as: BRENT SCHNEIDER | 3801 FALL WHEAT DR PLANO, TX 75075 | AFLAC | $116 | $8 | $124 | 0.09% |
| ROSARIO DOMINGUEZ-GIACOSA3 | 5520 SW 64TH AVE MIAMI, FL 33155 | AFLAC | $123 | — | $123 | 0.09% |
| MICHAEL BENDER3 | 7803 ORCHARD GATE CT BETHESDA, MD 20817 | AFLAC | $118 | — | $118 | 0.08% |
| DAVID BYER3 | 414 ELDRED ST MAZOMANIE, WI 53560 | AFLAC | $113 | — | $113 | 0.08% |
| MARILEN JOAN MCINTYRE3 Filed as: MARILEN MCINTYRE | 3143 WASHINGTON ST SAN FRANCISCO, CA 94115 | AFLAC | $113 | — | $113 | 0.08% |
| SPHEREC GROUP LLC3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $109 | — | $109 | 0.08% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $85 | $14 | $99 | 0.07% |
| SUZANNE LEWIS3 | 7116 RIPLEY ST MCKINNEY, TX 75071 | AFLAC | $87 | $8 | $95 | 0.07% |
| JOSEPH P TOTH3 | 4625 FM 2920 RD, 141 SPRING, TX 77388 | AFLAC | $91 | — | $91 | 0.06% |
| MARIA ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $89 | — | $89 | 0.06% |
| GEORGE RALSTON3 | PO BOX 3447 WICHITA FALLS, TX 76301 | AFLAC | $76 | — | $76 | 0.05% |
| S BEIN INC3 | 81 STEPHEN DRIVE PLAINVIEW, NY 11803 | AFLAC | $69 | — | $69 | 0.05% |
| CHARLES R HOGUE3 | 1705 CLARK TRAIL GRAND PRAIRIE, TX 75052 | AFLAC | $69 | — | $69 | 0.05% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $68 | — | $68 | 0.05% |
| MELISSA S LYNCH3 Filed as: MELISSA LYNCH | 507 AGUSTA DR ARNOLD, MD 21012 | AFLAC | $67 | — | $67 | 0.05% |
| FREDRICK EDWARDS3 | 125 CAMBON DR APT 5B SAN FRANCISCO, CA 94132 | AFLAC | $45 | $18 | $63 | 0.04% |
| TODD J BURKE CORP3 | 2 IRIS LN GARDEN CITY, NY 11530 | AFLAC | $58 | — | $58 | 0.04% |
| RAYMON P KEECH III3 Filed as: RAYMON KEECH III | 8207 CAMPAIGN CIR RICHMOND, TX 77406 | AFLAC | $48 | $6 | $54 | 0.04% |
| BANZAI INSURANCE SOLUTIONS INC3 | 351 CALIFORNIA ST STE 450 SAN FRANCISCO, CA 94104 | AFLAC | $51 | — | $51 | 0.04% |
| RICHARD J KUNZ3 | 351 CALIFORNIA ST STE 450 SAN FRANCISCO, CA 94104 | AFLAC | $33 | $18 | $51 | 0.04% |
| JOYE O. BIER3 Filed as: JOYE O BIER | 1805 HILLEBRANDT ACRES BEAUMONT, TX 77705 | AFLAC | $50 | — | $50 | 0.04% |
| MARTA M SASTRE3 | P O BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $46 | — | $46 | 0.03% |
| SEAN PRADIA3 | 805 W 19TH ST HOUSTON, TX 77008 | AFLAC | $46 | — | $46 | 0.03% |
| CARLYLE W PERKES3 | 5560 W HALCYONE CIRCLE PRESCOTT, AZ 86305 | AFLAC | $44 | — | $44 | 0.03% |
| TREVOR FENNELL3 Filed as: TREVOR FENELL | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $32 | $9 | $41 | 0.03% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $40 | — | $40 | 0.03% |
| AMY E COHEN3 Filed as: AMY A PURVIS | 90 GREAT OAKS BLVD STE 205 SAN JOSE, CA 95119 | AFLAC | $39 | — | $39 | 0.03% |
| JONI AKALA BILLINGS3 Filed as: JONI BILLINGS | 23779 LA POSTA CT CORONA, CA 92883 | AFLAC | $36 | — | $36 | 0.03% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $35 | — | $35 | 0.02% |
| DE VITA B MCKENZIE3 Filed as: DE VITA MCKENZIE | 110 SE 6TH ST STE 1700 FT LAUDERDALE, FL 33301 | AFLAC | $35 | — | $35 | 0.02% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $33 | — | $33 | 0.02% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $33 | — | $33 | 0.02% |
| MARIAN A LOPEZ3 | 13322 CITICOURT LN WHITTIER, CA 90602 | AFLAC | $33 | — | $33 | 0.02% |
| ROBERT PERRY EVANS JR3 Filed as: ROBERT EVANS JR | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $25 | $8 | $33 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G GALLAGHER | 173 GELSTON AVE APT 3D BROOKLYN, NY 11209 | AFLAC | $32 | — | $32 | 0.02% |
| STEVEN KAISER3 | 4120 OLD BARK WAY CUMMING, GA 30041 | AFLAC | $30 | — | $30 | 0.02% |
| KIM REED SMITH3 Filed as: MR KIM SMITH | 7815 DEERWOOD LAKE DR HUMBLE, TX 77346 | AFLAC | $30 | — | $30 | 0.02% |
| SAM OBIER3 Filed as: SAM D OBIER | 1805 HILLEBRANDT ACRES BEAUMONT, TX 77705 | AFLAC | $27 | — | $27 | 0.02% |
| TIMOTHY C CAVAZOS3 | 401 FRANKLIN AVE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $22 | $5 | $27 | 0.02% |
| SIBONEY TREVINO3 Filed as: SIBONEY TREVINO-TOTH | 21414 GOLDEN DOVE DR SPRING, TX 77388 | AFLAC | $26 | — | $26 | 0.02% |
| SJRDK ATTN REID KLEINMAN3 | PO BOX 20565 NEW YORK, NY 10021 | AFLAC | $26 | — | $26 | 0.02% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER ELIA LUBELSKY | 80 JOHN ST 11C NEW YORK, NY 10038 | AFLAC | $26 | — | $26 | 0.02% |
| BROOKE K FRAPWELL3 Filed as: BROOKE FRAPWELL | 4 FOX HOLLOW CT FLEMINGTON, NJ 08822 | AFLAC | $24 | — | $24 | 0.02% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $22 | — | $22 | 0.02% |
| MARC D BARNES3 Filed as: MARC BARNES | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $22 | — | $22 | 0.02% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DR HOUSTON, TX 77068 | AFLAC | $20 | — | $20 | 0.01% |
| CHARLES ARTHUR HOFFMANN3 | 11 BRASSIE CT NOVATO, CA 94949 | AFLAC | $19 | — | $19 | 0.01% |
| RYAN M THOMA3 | 2941 NAUTICA DR CHESTERTON, IN 46304 | AFLAC | $18 | — | $18 | 0.01% |
| VICKI JANAY SHEA3 | 2000 N MEADOW WAY CR ARLINGTON, TX 76015 | AFLAC | $15 | — | $15 | 0.01% |
| CATALANO INSURANCE AGENCY INC3 | 11 W KENILWORTH AVE PROSPECT HEIGHTS, IL 60070 | AFLAC | $15 | — | $15 | 0.01% |
| BILLY DALE ELKINS3 Filed as: BILLY ELKINS | 1024 BOURLAND ROAD KELLER, TX 76248 | AFLAC | $14 | — | $14 | 0.01% |
| ELLEN KYLE3 | 2456 CHURCHILL DR BOSSIER CITY, LA 71111 | AFLAC | $14 | — | $14 | 0.01% |
| STEVEN J GRANSON3 Filed as: STEVEN GRANSON | 20281 E COUNTRY CLUB DR APT 204 AVENTURA, FL 33180 | AFLAC | $14 | — | $14 | 0.01% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD STE 105 KATY, TX 77450 | AFLAC | $8 | $6 | $14 | 0.01% |
| JEFFREY C WEST3 Filed as: JEFFREY WEST | 21801 NORTHCREST DR APT 2217 SPRING, TX 77388 | AFLAC | $13 | — | $13 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $13 | — | $13 | 0.01% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $12 | — | $12 | 0.01% |
| JARED E DAY3 | 19710 CHARA CT CYPRESS, TX 77433 | AFLAC | $11 | — | $11 | 0.01% |
| JIMMY LEE3 | 282 HENRY STREET #6 BROOKLYN, NY 11201 | AFLAC | $11 | — | $11 | 0.01% |
| CLEMENT DANIEL II3 | 4725 STONEOAK DR BELTON, TX 76513 | AFLAC | $10 | — | $10 | 0.01% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $10 | — | $10 | 0.01% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMSON, GA 30824 | AFLAC | $10 | — | $10 | 0.01% |
| BRYAN TUCKER3 | 24654 NORTH LAKE PLEASANT PKWY 103-465 PEORIA, AZ 85383 | AFLAC | $10 | — | $10 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $9 | — | $9 | 0.01% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVE STE 4 STE A302 PHILADELPHIA, PA 19125 | AFLAC | $9 | — | $9 | 0.01% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIAM V SCHAUB3 | 28 N 1ST ST STE 700 SAN JOSE, CA 95113 | AFLAC | $8 | — | $8 | 0.01% |
| ROBERT MILWOOD3 | 2808 CARTERTON WAY FLOWER MOUND, TX 75022 | AFLAC | $8 | — | $8 | 0.01% |
| JAMES M. ANDERSON3 Filed as: JAMES MICHAEL ANDERSON | 1238 CHINKAPIN PLACE FLOWER MOUND, TX 75028 | AFLAC | $5 | — | $5 | 0.00% |
| GENA L HOPP3 Filed as: GENA HOPP | 23118 OXBOW TRL SPRING, TX 77373 | AFLAC | $5 | — | $5 | 0.00% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $4 | — | $4 | 0.00% |
| JOAN DANNELLY3 | 20110 AMBERVINE CIRCLE KATY, TX 77450 | AFLAC | $4 | — | $4 | 0.00% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $4 | — | $4 | 0.00% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $3 | — | $3 | 0.00% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT LAUDERDALE, FL 33308 | AFLAC | $3 | — | $3 | 0.00% |
| LORA WATSON3 | PO BOX 1663 MAGNOLIA, TX 77353 | AFLAC | $3 | — | $3 | 0.00% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $2 | — | $2 | 0.00% |
| D BREDESON INSURANCE SERVICES INC3 | 641 HIGUERA ST SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH G VAUGHAN & ASSOCIATES3 | 323 VINE AVENUE PARK RIDGE, IL 60068 | AFLAC | $1 | — | $1 | 0.00% |
| TODD V MASON3 | 6164 LAWRENCE ST CYRESS, CA 90630 | AFLAC | $1 | — | $1 | 0.00% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW SUTTON3 | 31927 WILDWOOD PARK LN CONROE, TX 77385 | AFLAC | $1 | — | $1 | 0.00% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 177 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.