| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHNEIDER INSURANCE SOLUTIONS3 | 8 MUIRFIELD PLACE LOUISVILLE, KY 40222 | HUMANA INSURANCE COMPANY | $68K | — | $68K | 4.41% |
| STEVE HATHORN3 | 2600 CANTERFIELD PKWY E UNIT 115 WEST DUNDEE, IL 60118 | AFLAC | $2K | $87 | $2K | 4.26% |
| SHARON JOYCE JOHNSTON3 Filed as: SHARON JOHNSTON | 218 N WILLOW STREET MANSFIELD, TX 76063 | AFLAC | $381 | $11 | $392 | 0.71% |
| MARY W SCHNEIDER3 Filed as: MARY SCHNEIDER | 8 MUIRFIELD PLACE LOUISVILLE, KY 40222 | AFLAC | $359 | $5 | $364 | 0.66% |
| ALLISON JONES LUCKETT3 Filed as: ALLISON LUCKETT | 10610 WATTERSON CENTER CT SUITE 102 LOUISVILLE, KY 40299 | AFLAC | $360 | — | $360 | 0.65% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $259 | — | $259 | 0.47% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 3715 VINEVILLE AVE MACON, GA 31204 | AFLAC | $174 | $58 | $232 | 0.42% |
| WAYNE BALL3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | AFLAC | $213 | $17 | $230 | 0.42% |
| GLEN E TWAITS3 Filed as: GLEN TWAITS | 2006 DOUBLE EAGLE DRIVE MISSION, TX 78572 | AFLAC | $218 | — | $218 | 0.40% |
| HENRY J SAMAAN3 Filed as: HENRY SAMAAN | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $211 | — | $211 | 0.38% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 N KUFALK LANE BYRON, IL 61010 | AFLAC | $170 | $17 | $187 | 0.34% |
| ROBERT R CUNDIFF3 Filed as: ROBERT CUNDIFF | 8508 FERNDALE ROAD LOUISVILLE, KY 40291 | AFLAC | $173 | — | $173 | 0.31% |
| HELEN MENDEZ3 | 6127 S RAINBOW BLVD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $129 | $40 | $169 | 0.31% |
| VERNON P HERRERA3 Filed as: VERNON HERRERA | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $159 | — | $159 | 0.29% |
| BROCK POWELL3 | 107 SOUTHERN BLVD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $144 | — | $144 | 0.26% |
| H J SAMAAN INC3 | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $134 | — | $134 | 0.24% |
| KELLY HILL3 | 17885 THUNDER RIVER DRIVE RENO, NV 89508 | AFLAC | $128 | — | $128 | 0.23% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $109 | $14 | $123 | 0.22% |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $103 | — | $103 | 0.19% |
| JOHN MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $85 | $8 | $93 | 0.17% |
| HEATHER K WILSON-ARLINGHAUS3 Filed as: HEATHER WILSON-ARLINGHAUS | PO BOX 18247 ERLANGER, KY 41018 | AFLAC | $88 | — | $88 | 0.16% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 18 N SMITH STREET PALATINE, IL 60067 | AFLAC | $70 | — | $70 | 0.13% |
| MICHAEL FINLEY3 | 907 E FRONT STREET DOVER, OH 44622 | AFLAC | $68 | — | $68 | 0.12% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AFLAC | $62 | — | $62 | 0.11% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $48 | $13 | $61 | 0.11% |
| SUSAN MARY RATCLIFFE3 Filed as: SUSAN RATCLIFFE | 924 CRAIG AVE SHELBYVILLE, KY 40065 | AFLAC | $38 | $19 | $57 | 0.10% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E MARRILL ROAD SUITE 1 BYRON, IL 61010 | AFLAC | $56 | — | $56 | 0.10% |
| KELLY KING WYSONG3 Filed as: KELLY WYSONG | 275 OAKLEY CIRCLE WEATHERFORD, TX 76085 | AFLAC | $49 | — | $49 | 0.09% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $43 | — | $43 | 0.08% |
| ELENI A NIKOLAS3 Filed as: ELENI NIKOLAS | 50 HURT PLZ SE SUITE 1630 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $41 | — | $41 | 0.07% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALGIO FAIR OAKS, CA 95628 | AFLAC | $33 | $8 | $41 | 0.07% |
| THERESA J SMITH3 Filed as: THERESA SMITH | 3522 HURSTBOURNE RIDGE BLVD LOUISVILLE, KY 40299 | AFLAC | $41 | — | $41 | 0.07% |
| JENNIFER MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $37 | — | $37 | 0.07% |
| JASON WEST3 | 1701 BASS ROAD SUITE 200 MACON, GA 31210 | AFLAC | $36 | — | $36 | 0.07% |
| DARRIN GLENN SPRADLEY3 Filed as: DARRIN SPRADLEY | 15105 KING OF SPAIN COURT DALLAS, TX 75248 | AFLAC | $35 | — | $35 | 0.06% |
| CRAIG S DAVIES3 Filed as: CRAIG DAVIES | 109 TIMBER CREEK COURT ARGYLE, TX 76226 | AFLAC | $28 | — | $28 | 0.05% |
| MARTY JOE TURNER3 Filed as: MARTY TURNER | 209 WATERFORD DRIVE CATAULA, GA 31804 | AFLAC | $26 | — | $26 | 0.05% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL SIMPSON | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $25 | — | $25 | 0.05% |
| CHANDLER STEWART3 | 1003 COLLINS COURT BARTONVILLE, IL 61607 | AFLAC | $23 | — | $23 | 0.04% |
| MICHAEL SALVAGGIO3 | 1510 GLEN LAKE ROAD HOFFMAN ESTATES, IL 60169 | AFLAC | $23 | — | $23 | 0.04% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $22 | — | $22 | 0.04% |
| GRIZELDA V AYALA3 Filed as: GRIZELDA AYALA | 6021 WALKER BLVD APT 1304 NORTH RICHLAND HILLS, TX 76180 | AFLAC | $22 | — | $22 | 0.04% |
| AMY LUDWICK3 | 7403 SESAME STREET COLUMBUS, GA 31909 | AFLAC | $18 | — | $18 | 0.03% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $14 | — | $14 | 0.03% |
| ROBIN GULLIAS3 | 652 HIGHLANDER AVE NW MASSILLON, OH 44647 | AFLAC | $14 | — | $14 | 0.03% |
| STACEY FEHR3 | 1329 CASTLEBRIDGE COURT CINCINNATI, OH 45233 | AFLAC | $13 | — | $13 | 0.02% |
| SHELLY WIEGAND3 | 2607 CASTLEBRIDGE COURT CINCINNATI, OH 45233 | AFLAC | $11 | $2 | $13 | 0.02% |
| JODI L DAVIS3 Filed as: JODI DAVIS | 701 E MAIN STREET SOUTH ELGIN, IL 60177 | AFLAC | $13 | — | $13 | 0.02% |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 1501 LYNDON B JOHNSON FWY SUITE 660 DALLAS, TX 75234 | AFLAC | $9 | $2 | $11 | 0.02% |
| LANCE S MEINERS3 Filed as: LANCE MEINERS | 557 LONG CV AVON LAKE, OH 44012 | AFLAC | $11 | — | $11 | 0.02% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $11 | — | $11 | 0.02% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | AFLAC | $11 | — | $11 | 0.02% |
| CHRISTINA L MALOVANY3 Filed as: CHRISTINA MALOVANY | 1056 WOODHILL COURT ELGIN, IL 60120 | AFLAC | $10 | — | $10 | 0.02% |
| ORLANDO R DOBRINCU3 Filed as: ORLANDO DOBRINCU | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $8 | — | $8 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $6 | — | $6 | 0.01% |
| GARY A SPANRAFT3 Filed as: GARY SPANRAFT | 58 GREENHEDGE CIR DELAWARE, OH 43015 | AFLAC | $6 | — | $6 | 0.01% |
| MARC J HAIRE3 | 9885 GREENHAVEN PKWY BRECKSVILLE, OH 44141 | AFLAC | $6 | — | $6 | 0.01% |
| DORMAN CANNON3 | 218 N WILLOW STREET MANSFIELD, TX 76063 | AFLAC | $6 | — | $6 | 0.01% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE LILES | 3402 73RD STREET UNIT E LUBBOCK, TX 79423 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $4 | — | $4 | 0.01% |
| TOMMY L JOHNSON JR3 Filed as: TOMMY JOHNSON JR | 711 S OLIVE STREET APT 314 LOS ANGELES, CA 90014 | AFLAC | $4 | — | $4 | 0.01% |
| GARY WILLINGHAM3 | 6033 STRAFFORD OAKS DRIVE SEBRING, FL 33875 | AFLAC | $3 | — | $3 | 0.01% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | PO BOX 1047 304 CANTERFIELD PKWY W WEST DUNDEE, IL 60118 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM CASSIDY WAGNER3 Filed as: WILLIAM WAGNER | 2422 LUCILLE STREET WINSTON SALEM, NC 27127 | 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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 155 | $1.5M |
| Dental | HUMANA INSURANCE COMPANY | 155 | $1.5M |
| Vision | HUMANA INSURANCE COMPANY | 155 | $1.5M |
| Life insurance | HUMANA INSURANCE COMPANY | 155 | $1.5M |
| Short-term disability | AFLAC | 63 | $55K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 155 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.