| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHNEIDER INSURANCE SOLUTIONS3 | 8 MUIRFIELD PLACE LOUISVILLE, KY 40222 | HUMANA INSURANCE COMPANY | $95K | — | $95K | 5.05% |
| STEVE HATHORN3 | 2600 CANTERFIELD PKWY E UNIT 115 WEST DUNDEE, IL 60118 | AFLAC | $5K | $196 | $5K | — |
| GERALD A GREENEN3 Filed as: GERALD GREENEN | 2461 BARKDOLL ROAD NAPERVILLE, IL 60565 | AFLAC | $667 | — | $667 | — |
| WAYNE BALL3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | AFLAC | $454 | $39 | $493 | — |
| DANILE ELLIS3 | 377 E BUTTERFIELD ROAD SUITE 210 LOMBARD, IL 60148 | AFLAC | $439 | — | $439 | — |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 N KUFALK LANE BYRON, IL 61010 | AFLAC | $269 | $39 | $308 | — |
| ALLISON JONES LUCKETT3 Filed as: ALLISON LUCKETT | 10610 WATTERSON CENTER CT SUITE 102 LOUISVILLE, KY 40299 | AFLAC | $221 | — | $221 | — |
| GLEN E TWAITS3 Filed as: GLEN TWAITS | 2006 DOUBLE EAGLE DRIVE MISSION, TX 78572 | AFLAC | $163 | — | $163 | — |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $154 | — | $154 | — |
| HENRY J SAMAAN3 Filed as: HENRY SAMAAN | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $104 | — | $104 | — |
| H J SAMAAN INC3 | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $101 | — | $101 | — |
| HELEN MENDEZ3 | 6127 S RAINBOW BLVD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $99 | — | $99 | — |
| HELEN MENDEZ3 | 6127 S RAINBOW BLVD LAS VEGAS, NV 89118 | AFLAC | $99 | — | $99 | — |
| VERNON P HERRERA3 Filed as: VERNON HERRERA | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $98 | — | $98 | — |
| BROCK POWELL3 | 107 SOUTHERN BLVD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $91 | — | $91 | — |
| SHARON JOYCE JOHNSTON3 Filed as: SHARON JOHNSTON | 218 N WILLOW STREET MANSFIELD, TX 76063 | AFLAC | $90 | — | $90 | — |
| JOHN MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $80 | — | $80 | — |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $61 | — | $61 | — |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $60 | — | $60 | — |
| ROBERT R CUNDIFF3 Filed as: ROBERT CUNDIFF | 8508 FERNDALE ROAD LOUISVILLE, KY 40291 | AFLAC | $58 | — | $58 | — |
| HEATHER K WILSON-ARLINGHAUS3 Filed as: HEATHER WILSON-ARLINGHAUS | PO BOX 18247 ERLANGER, KY 41018 | AFLAC | $53 | — | $53 | — |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 3715 VINEVILLE AVE MACON, GA 31204 | AFLAC | $50 | — | $50 | — |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 18 N SMITH STREET PALATINE, IL 60067 | AFLAC | $47 | — | $47 | — |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E MARRILL ROAD SUITE 1 BYRON, IL 61010 | AFLAC | $36 | — | $36 | — |
| KELLY KING WYSONG3 Filed as: KELLY WYSONG | 275 OAKLEY CIRCLE WEATHERFORD, TX 76085 | AFLAC | $35 | — | $35 | — |
| JENNIFER MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $33 | — | $33 | — |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AFLAC | $32 | — | $32 | — |
| MICHAEL FINLEY3 | 907 E FRONT STREET DOVER, OH 44622 | AFLAC | $28 | — | $28 | — |
| JASON WEST3 | 1701 BASS ROAD SUITE 200 MACON, GA 31210 | AFLAC | $26 | — | $26 | — |
| ELENI A NIKOLAS3 Filed as: ELENI NIKOLAS | 50 HURT PLZ SE SUITE 1630 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $24 | — | $24 | — |
| MICHAEL SALVAGGIO3 | 1510 GLEN LAKE ROAD HOFFMAN ESTATES, IL 60169 | AFLAC | $23 | — | $23 | — |
| GRIZELDA V AYALA3 Filed as: GRIZELDA AYALA | 6021 WALKER BLVD APT 1304 NORTH RICHLAND HILLS, TX 76180 | AFLAC | $22 | — | $22 | — |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $20 | — | $20 | — |
| DARRIN GLENN SPRADLEY3 Filed as: DARRIN SPRADLEY | 15105 KING OF SPAIN COURT DALLAS, TX 75248 | AFLAC | $18 | — | $18 | — |
| JODI L DAVIS3 Filed as: JODI DAVIS | 701 E MAIN STREET SOUTH ELGIN, IL 60177 | AFLAC | $17 | — | $17 | — |
| CRAIG S DAVIES3 Filed as: CRAIG DAVIES | 109 TIMBER CREEK COURT ARGYLE, TX 76226 | AFLAC | $16 | — | $16 | — |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $15 | — | $15 | — |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALGIO FAIR OAKS, CA 95628 | AFLAC | $15 | — | $15 | — |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $15 | — | $15 | — |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $15 | — | $15 | — |
| DENNIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $13 | — | $13 | — |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $12 | — | $12 | — |
| MICHAEL A SIMPSON3 Filed as: MICHAEL SIMPSON | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $11 | — | $11 | — |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $11 | — | $11 | — |
| ORLANDO R DOBRINCU3 Filed as: ORLANDO DOBRINCU | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $11 | — | $11 | — |
| CHRISTINA L MALOVANY3 Filed as: CHRISTINA MALOVANY | 1056 WOODHILL COURT ELGIN, IL 60120 | AFLAC | $10 | — | $10 | — |
| DANIEL TAYLOR3 | 2710 N LAKE DRIVE APT 6032 COLUMBIA, SC 29212 | AFLAC | $8 | — | $8 | — |
| MARC D BARNES3 Filed as: MARC BARNES | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $7 | — | $7 | — |
| ROBIN GULLIAS3 | 652 HIGHLANDER AVE NW MASSILLON, OH 44647 | AFLAC | $6 | — | $6 | — |
| GARY A SPANRAFT3 Filed as: GARY SPANRAFT | 58 GREENHEDGE CIR DELAWARE, OH 43015 | AFLAC | $6 | — | $6 | — |
| MARC J HAIRE3 | 9885 GREENHAVEN PKWY BRECKSVILLE, OH 44141 | AFLAC | $6 | — | $6 | — |
| TOMMY L JOHNSON JR3 Filed as: TOMMY JOHNSON JR | 711 S OLIVE STREET APT 314 LOS ANGELES, CA 90014 | AFLAC | $6 | — | $6 | — |
| STEPHEN KELLS3 | 514 MAYFAIR CT GERMANTOWN HILLS, IL 61548 | AFLAC | $6 | — | $6 | — |
| THERESA J SMITH3 Filed as: THERESA SMITH | 3521 HURSTBOURNE RIDGE BLVD LOUISVILLE, KY 40299 | AFLAC | $5 | — | $5 | — |
| LANCE S MEINERS3 Filed as: LANCE MEINERS | 557 LONG CV AVON LAKE, OH 44012 | AFLAC | $5 | — | $5 | — |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $5 | — | $5 | — |
| SUSAN MARY RATCLIFFE3 Filed as: SUSAN RATCLIFFE | 924 CRAIG AVE SHELBYVILLE, KY 40065 | AFLAC | $4 | — | $4 | — |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | AFLAC | $4 | — | $4 | — |
| MARCO JOE KLIMEK3 Filed as: MARCO KLIMEK | 1501 LYNDON B JOHNSON FWY SUITE 660 DALLAS, TX 75234 | AFLAC | $3 | — | $3 | — |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $3 | — | $3 | — |
| GARY WILLINGHAM3 | 6033 STRAFFORD OAKS DRIVE SEBRING, FL 33875 | AFLAC | $3 | — | $3 | — |
| AMY LUDWICK3 | 7403 SESAME STREET SUITE 17 COLUMBUS, GA 31909 | AFLAC | $3 | — | $3 | — |
| MICHAEL RHODD3 | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $3 | — | $3 | — |
| BRIAN DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $2 | — | $2 | — |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | PO BOX 1047 304 CANTERFIELD PKWY W WEST DUNDEE, IL 60118 | AFLAC | $2 | — | $2 | — |
| TODD DEVOSS3 | 321 N CLARK ST SUITE 625 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | — |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $2 | — | $2 | — |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 2150 W NORTHWEST HWY SUITE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $2 | — | $2 | — |
| WILLIAM CASSIDY WAGNER3 Filed as: WILLIAM WAGNER | 2422 LUCILLE STREET WINSTON SALEM, NC 27127 | AFLAC | $1 | — | $1 | — |
| BENJAMIN WYLIE3 | 7156 SOUTHAMPTON LANE HAMILTON, OH 45011 | AFLAC | $1 | — | $1 | — |
| MARK R DECKARD3 Filed as: MARK DECKARD | 5298 FREDERICKS STANDSOUTH LEBANON, OH 45065 | AFLAC | $1 | — | $1 | — |
| LISA CUNNINGHAM3 | 8078 POLK PATH REYNOLDSBURG, OH 43068 | AFLAC | $1 | — | $1 | — |
| SHELLY WIEGAND3 | 2607 CASTLEBRIDGE COURT CINCINNATI, OH 45233 | AFLAC | $1 | — | $1 | — |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER BOULDREY | PO BOX 602 CONCORD, MI 49237 | AFLAC | $1 | — | $1 | — |
| RONALD J GRETHEL3 Filed as: RONALD GRETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | — |
| PETER T ARNOLD3 Filed as: PETER ARNOLD | 12199 SILVER SPRINGS PLACE GRASS VALLEY, CA 95949 | AFLAC | $1 | — | $1 | — |
| NICHOLAS VIGIL3 | 120 ROCKBOLT CR FOLSOM, CA 95630 | AFLAC | $1 | — | $1 | — |
| ZACHARY JOHNSON3 | 4447 N CENTRAL EXPY SUITE 110 DALLAS, TX 75205 | AFLAC | $1 | — | $1 | — |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | — |
| ROBERTA DICKINSON3 | PO BOX 360277 STRONGSVILLE, OH 44136 | AFLAC | $1 | — | $1 | — |
| ADAM ORTIZ3 | 300 N STATE STREET APT 2535 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | — |
| T HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $1 | — | $1 | — |
| KARA M CARMODY3 Filed as: KARA CARMODY | 22260 445TH AVE SUITE 201 RAMONA, SD 57054 | AFLAC | $1 | — | $1 | — |
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. |
| 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 174 | $1.9M |
| Dental | HUMANA INSURANCE COMPANY | 174 | $1.9M |
| Vision | HUMANA INSURANCE COMPANY | 174 | $1.9M |
| Life insurance | HUMANA INSURANCE COMPANY | 174 | $1.9M |
| Short-term disability | AFLAC | 50 | $0 |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 174 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.