| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHNEIDER INSURANCE SOLUTIONS3 | 8 MUIRFIELD PLACE LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN INC | $61K | — | $61K | 3.33% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS GROUP, LLC | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | HUMANA HEALTH PLAN INC | $12K | — | $12K | 0.68% |
| SCHNEIDER INSURANCE SOLUTIONS3 Filed as: SCHNEIDER INSURANCE SOLUTIONS INC | 8 MUIRFIELD PLACE LOUISVILLE, KY 40222 | THE DENTAL CONCERN, INC | $7K | — | $7K | 7.69% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS GROUP, LLC | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE DENTAL CONCERN, INC | $1K | — | $1K | 1.54% |
| STEVE HATHORN3 | 2600 CANTERFIELD PKWY E UNIT 115 WEST DUNDEE, IL 60118 | AFLAC | $3K | $299 | $3K | 5.92% |
| ROBERT SAMUEL CONNER3 | 2899 HOT SPRING ROAD MIDEN, NV 89423 | AFLAC | $403 | — | $403 | 0.74% |
| MARY W SCHNEIDER3 | 8 MUIRFIELD PLACE LOUISVILLE, NY 40222 | AFLAC | $374 | — | $374 | 0.68% |
| WAYNE BALL3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | AFLAC | $300 | — | $300 | 0.55% |
| GREENEN AND ASSOCIATES3 Filed as: GREENEN AND ASSOCIATES LTD | 1212 SOUTH NAPER BOULEVARD SUITE 119-190 NAPERVILLE, IL 60540 | AFLAC | $205 | $60 | $265 | 0.48% |
| DANILE ELLIS3 | 377 E BUTTERFIELD ROAD SUITE 210 LOMBARD, IL 60148 | AFLAC | $184 | $60 | $244 | 0.45% |
| JOHN F ADAMSKY3 | PO BOX 6164 NEW PHILADELPHIA, OH 44663 | AFLAC | $242 | — | $242 | 0.44% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 N KUFALK LANE BYRON, IL 61010 | AFLAC | $206 | — | $206 | 0.38% |
| ANGELA SCHIEK3 Filed as: ANGELA MEDINA | 300 EAST 2ND STREET SUITE 1320 RENO, NV 89501 | AFLAC | $171 | — | $171 | 0.31% |
| ALLISON JONES LUCKETT3 Filed as: ALLISON LUCKETT | 10610 WATTERSON CENTER CT SUITE 102 LOUISVILLE, KY 40299 | AFLAC | $160 | — | $160 | 0.29% |
| GERALD A GREENEN3 Filed as: GERALD GREENEN | 2461 BARKDOLL ROAD NAPERVILLE, IL 60565 | AFLAC | $148 | — | $148 | 0.27% |
| GLEN E TWAITS3 Filed as: GLEN TWAITS | 2006 DOUBLE EAGLE DRIVE MISSION, TX 78572 | AFLAC | $128 | — | $128 | 0.23% |
| EMPLOYEE BENEFITS & INS SOLUTIONS3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $121 | — | $121 | 0.22% |
| MICHELE M BRIGHT3 | 875 FEINBERG COURT SUITE 103 CARY, IL 60013 | AFLAC | $107 | — | $107 | 0.20% |
| HELEN MENDEZ3 | 6127 S RAINBOW BLVD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $99 | — | $99 | 0.18% |
| SHARON JOYCE JOHNSTON3 Filed as: SHARON JOHNSTON | 218 N WILLOW STREET MANSFIELD, TX 76063 | AFLAC | $99 | — | $99 | 0.18% |
| MARK L HENDERSON3 | 4433 38TH STREET NORTHWEST SUITE 4 CANTON, OH 44718 | AFLAC | $92 | — | $92 | 0.17% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $88 | — | $88 | 0.16% |
| JOHN MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $80 | — | $80 | 0.15% |
| H J SAMAAN INC3 | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $79 | — | $79 | 0.14% |
| DEBRA HENDRICKSON3 | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $60 | — | $60 | 0.11% |
| A C LONG & ASSOCIATES INC3 | 1113 MEDINA ROAD SUITE 500 MEDINA, OH 44256 | AFLAC | $60 | — | $60 | 0.11% |
| MICHAEL F DILLON JR3 Filed as: MICHAEL F DILLION JR | 80 CONTINENTAL DRIVE SUITE 103 RENO, NV 89509 | AFLAC | $57 | — | $57 | 0.10% |
| ROBERT R CUNDIFF3 Filed as: ROBERT CUNDIFF | 8508 FERNDALE ROAD LOUISVILLE, KY 40291 | AFLAC | $54 | — | $54 | 0.10% |
| HEATHER K WILSON-ARLINGHAUS3 Filed as: HEATHER WILSON-ARLINGHAUS | PO BOX 18247 ERLANGER, KY 41018 | AFLAC | $53 | — | $53 | 0.10% |
| KEVIN CURTIS3 | 401 RYLAND STREET SUITE 204 RENO, NV 89502 | AFLAC | $53 | — | $53 | 0.10% |
| VERNON P HERRERA3 Filed as: VERNON HERRERA | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $48 | — | $48 | 0.09% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $48 | — | $48 | 0.09% |
| POWELL ENTERPRISES LLC3 | 107 SOUTHERN BOULEVARD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $43 | — | $43 | 0.08% |
| HENRY J SAMAAN3 Filed as: HENRY SAMAAN | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $40 | — | $40 | 0.07% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 18 N SMITH STREET PALATINE, IL 60067 | AFLAC | $35 | — | $35 | 0.06% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 125 PLANTATION CENTRE DRIVE SOUTH SUITE 900B MACON, GA 31210 | AFLAC | $34 | — | $34 | 0.06% |
| JENNIFER MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $33 | — | $33 | 0.06% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E MARRILL ROAD SUITE 1 BYRON, IL 61010 | AFLAC | $33 | — | $33 | 0.06% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AFLAC | $32 | — | $32 | 0.06% |
| KELLY KING WYSONG3 Filed as: KELLY WYSONG | 275 OAKLEY CIRCLE WEATHERFORD, TX 76085 | AFLAC | $31 | — | $31 | 0.06% |
| MICHAEL FINLEY3 | 907 E FRONT STREET DOVER, OH 44622 | AFLAC | $28 | — | $28 | 0.05% |
| BROCK POWELL3 | 3944 MURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $25 | — | $25 | 0.05% |
| ELENI A NIKOLAS3 Filed as: ELENI NIKOLAS | 50 HURT PLZ SE SUITE 1630 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $24 | — | $24 | 0.04% |
| MICHAEL SALVAGGIO3 | 1510 GLEN LAKE ROAD HOFFMAN ESTATES, IL 60169 | AFLAC | $23 | — | $23 | 0.04% |
| GRIZELDA V AYALA3 Filed as: GRIZELDA AYALA | 6021 WALKER BLVD APT 1304 NORTH RICHLAND HILLS, TX 76180 | AFLAC | $22 | — | $22 | 0.04% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $19 | — | $19 | 0.03% |
| JODI L DAVIS3 Filed as: JODI DAVIS | 701 E MAIN STREET SOUTH ELGIN, IL 60177 | AFLAC | $17 | — | $17 | 0.03% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $15 | — | $15 | 0.03% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $15 | — | $15 | 0.03% |
| JASON B WEST3 | 1701 BASS OAD SUITE 200 MACON, GA 31210 | AFLAC | $15 | — | $15 | 0.03% |
| CRAIG S DAVIES3 Filed as: CRAIG S DAVIS | 401 BOYD DRIVE APARTMENT 5106 GRAPEVINE, TX 76051 | AFLAC | $14 | — | $14 | 0.03% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 3715 VINEVILLE AVENUE MACON, GA 31204 | AFLAC | $12 | — | $12 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $12 | — | $12 | 0.02% |
| KEVIN CURTIS3 | 300 EAST 2ND STREET SUITE 1320 RENO, NV 89501 | AFLAC | $12 | — | $12 | 0.02% |
| ORLANDO R DOBRINCU3 | 837 LINDEN IRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $11 | — | $11 | 0.02% |
| MICHAEL A ORTIZ3 | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $11 | — | $11 | 0.02% |
| CHRISTINA L MALOVANY3 Filed as: CHRISTINA MALOVANY | 1056 WOODHILL COURT ELGIN, IL 60120 | AFLAC | $10 | — | $10 | 0.02% |
| DENNIS HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $10 | — | $10 | 0.02% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $9 | — | $9 | 0.02% |
| DARRIN GLENN SPRADLEY3 Filed as: DARRIN SPRADLEY | 15105 KING OF SPAIN COURT DALLAS, TX 75248 | AFLAC | $7 | — | $7 | 0.01% |
| DANIEL TAYLOR3 | 2710 N LAKE DRIVE APT 6032 COLUMBIA, SC 29212 | AFLAC | $6 | — | $6 | 0.01% |
| ROBIN GULLIAS3 | 652 HIGHLANDER AVE NW MASSILLON, OH 44647 | AFLAC | $6 | — | $6 | 0.01% |
| MARC J HAIRE3 | 9885 GREENHAVEN PKWY BRECKSVILLE, OH 44141 | AFLAC | $6 | — | $6 | 0.01% |
| TOMMY L JOHNSON JR3 Filed as: TOMMY JOHNSON JR | 711 S OLIVE STREET APT 314 LOS ANGELES, CA 90014 | AFLAC | $6 | — | $6 | 0.01% |
| STEPHEN KELLS3 | 514 MAYFAIR CT GERMANTOWN HILLS, IL 61548 | AFLAC | $6 | — | $6 | 0.01% |
| MARC D BARNES3 Filed as: MARC BARNES | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $5 | — | $5 | 0.01% |
| BROCK POWELL3 Filed as: BROCK PQWELL | 107 SOUTHERN BOULEVARD SUITE 103A SAVANNAH, GA 31405 | AFLAC | $5 | — | $5 | 0.01% |
| LANCE S MEINERS3 Filed as: LANCE MEINERS | 557 LONG CV AVON LAKE, OH 44012 | AFLAC | $5 | — | $5 | 0.01% |
| GARY A SPANRAFT3 Filed as: GARY SPANRAFT | 58 GREENHEDGE CIR DELAWARE, OH 43015 | AFLAC | $4 | — | $4 | 0.01% |
| THERESA J SMITH3 Filed as: THERESA SMITH | 3521 HURSTBOURNE RIDGE BLVD LOUISVILLE, KY 40299 | AFLAC | $4 | — | $4 | 0.01% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | AFLAC | $4 | — | $4 | 0.01% |
| SUSAN MARY RATCLIFFE3 Filed as: SUSAN RATCLIFFE | 924 CRAIG AVE SHELBYVILLE, KY 40065 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $3 | — | $3 | 0.01% |
| AMY LUDWICK3 | 7403 SESAME STREET SUITE 17 COLUMBUS, GA 31909 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL RHODD3 | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $3 | — | $3 | 0.01% |
| TODD DEVOSS3 | 321 N CLARK ST SUITE 625 CHICAGO, IL 60654 | AFLAC | $3 | — | $3 | 0.01% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DRIVE SEBRING, FL 33875 | AFLAC | $3 | — | $3 | 0.01% |
| GARY A SPANRAFT3 | 301 ROYAL OAKD BOULEVARD APARTMENT 3115 FRANKLIN, TN 37067 | 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% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $2 | — | $2 | 0.00% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FREEWAY SUITE 660 DALLAS, TX 75234 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LAND SOUTHLAKE, TX 76092 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID D SIMPSON3 | 7724 TAMARRON COURT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $2 | — | $2 | 0.00% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN M JOHNSON3 | 2150 WEST NORTHWEST HIGHWAY SUITE 114-1144 GRAPEVINE, TX 73051 | AFLAC | $2 | — | $2 | 0.00% |
| RONALD J GRETHEL3 | 648 HANNA AVENUE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM CASSIDY WAGNER3 | 2422 LUCILLE STREET WINSTON SALEM, NC 27127 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIRCLE FOLSOM, CA 95630 | AFLAC | $1 | — | $1 | 0.00% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | 0.00% |
| PETER T ARNOLD3 | 12199 SILVER SPRINGS PLACE GRASS VALLEY, CA 95949 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S DICKINSON | PO BOX 360277 SPRONGSVILLE, OH 44136 | AFLAC | $1 | — | $1 | 0.00% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DRIVE CEDAR PARK, TX 78613 | AFLAC | $1 | — | $1 | 0.00% |
| ZACHARY K JOHNSON3 | 4447 NORTH CENTRAL EXPRESSWAY SUITE 110 DALLAS, TX 75205 | AFLAC | $1 | — | $1 | 0.00% |
| ADAM D ORTIZ3 | 300 NORTH STATE STREET APARTMENT 2535 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: SCHNEIDER ISNURANCE SOLUTIONS INC | 8 MUIRFIELD PLACE LOUISVILLE, KY 40222 | HUMANA INSURANCE COMPANY OF KENTUCKY | $3K | — | $3K | 10.15% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS GROUP, LLC | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | HUMANA INSURANCE COMPANY OF KENTUCKY | $558 | — | $558 | 2.05% |
| SCHNEIDER INSURANCE SOLUTIONS3 | 8 MURIFIELD PLACE LOUISVILLE, KY 40222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $671 | — | $671 | 8.72% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS GROUP, LLC | RUSSELL WARYE 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $287 | — | $287 | 3.73% |
| LIFETIME FINANCIAL GROWTH CO O3 | 419 PLUM STREET CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.17% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN INC | 161 | $1.8M |
| Dental | THE DENTAL CONCERN, INC | 129 | $95K |
| Vision | THE DENTAL CONCERN, INC | 129 | $95K |
| Life insurance | HUMANA INSURANCE COMPANY OF KENTUCKY | 194 | $27K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 57 | $62K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 44 | $8K |
| Other(2 contracts, 2 carriers) | AFLAC | 194 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.