| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS GROUP, LLC | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | HUMANA HEALTH PLAN, INC. | $92K | — | $92K | 3.97% |
| BENEFIT PARTNERS GROUP LLC3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERYVILLE, IL 60048 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | $4K | $33K | 18.87% |
| STEVE C HATHORN3 | 2127 SILVERSTONE DRIVE CARPENTERSVILLE, IL 60110 | AFLAC | $2K | $150 | $2K | 4.94% |
| WAYNE R BALL3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | AFLAC | $259 | — | $259 | 0.53% |
| GERALD A GREENEN3 | 1212 SOUTH NAPER BOULEVARD SUITE 119-190 NAPERVILLE, IL 60540 | AFLAC | $252 | — | $252 | 0.52% |
| MICHELE M BRIGHT3 | 5105 TOLLVIEW DRIVE SUITE 285 ROLLING MEADOWS, IL 60008 | AFLAC | $194 | $30 | $224 | 0.46% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $149 | — | $149 | 0.31% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $108 | $30 | $138 | 0.28% |
| DANIEL E ELLIS3 | 377 EAST BUTTERFIELD ROAD SUITE 210 LOMBARD, IL 60148 | AFLAC | $122 | — | $122 | 0.25% |
| GLEN E TWAITS3 | 2006 DOUBLE EAGLE DRIVE MISSION, TX 78572 | AFLAC | $109 | — | $109 | 0.22% |
| HELEN MENDEZ3 Filed as: HELEN L MENDEZ | 6127 SOUTH RAINBOW BOULEVARD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $91 | — | $91 | 0.19% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER COURT SUITE 102 LOUISVILLE, KY 40299 | AFLAC | $87 | — | $87 | 0.18% |
| SHARON JOYCE JOHNSTON3 | 218 NORTH WILLOW STREET MANSFIELD, TX 76063 | AFLAC | $68 | $19 | $87 | 0.18% |
| JAMES A RIED3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $82 | — | $82 | 0.17% |
| JOHN J MACIAS JR3 | 950 NORTH UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $76 | — | $76 | 0.16% |
| H J SAMAAN INC3 | 19 WEST 152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $67 | — | $67 | 0.14% |
| ROBERT SAMUEL CONNER3 | 2899 HOT SPRINGS ROAD MINDEN, NV 89423 | AFLAC | $57 | $10 | $67 | 0.14% |
| ANGELA SCHIEK3 Filed as: ANGELA MEDINA | 401 RYLAND STREET SUITE 204 RENO, NV 89502 | AFLAC | $61 | — | $61 | 0.13% |
| DEBRA HENDRICKSON3 Filed as: DEBRA L HENDRICKSON | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $59 | — | $59 | 0.12% |
| BROCK POWELL3 | 3944 MURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $52 | — | $52 | 0.11% |
| HEATHER K WILSON-ARLINGHAUS3 | PO BOX 18247 ERLANGER, KY 41018 | AFLAC | $52 | — | $52 | 0.11% |
| JOHN F ADAMSKY3 | PO BOX 6164 NEW PHILADELPHIA, OH 44663 | AFLAC | $51 | — | $51 | 0.10% |
| MARK L HENDERSON3 | 4450 BELDEN VILLAGE STREET NW SUITE 700 CANTON, OH 44718 | AFLAC | $45 | — | $45 | 0.09% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $43 | — | $43 | 0.09% |
| ROBERT R CUNDIFF3 | 8508 FERNDALE ROAD LOUISVILLE, KY 40291 | AFLAC | $41 | — | $41 | 0.08% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD SUITE 1 BYRON, IL 61010 | AFLAC | $37 | — | $37 | 0.08% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $34 | — | $34 | 0.07% |
| ELIZABETH M GASPAROVIC3 | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $34 | — | $34 | 0.07% |
| HENRY J SAMAAN3 | 19 WEST 152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $32 | — | $32 | 0.07% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE ROAD CLEVELAND HEIGHTS, OH 44121 | AFLAC | $32 | — | $32 | 0.07% |
| JENNIFER E MACIAS3 | 950 NORTH UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $31 | — | $31 | 0.06% |
| MICHAEL FINLEY3 Filed as: MICHAEL D FINLEY | 907 EAST FRONT STREET DOVER, OH 44622 | AFLAC | $28 | — | $28 | 0.06% |
| KEVIN CURTIS3 | 401 RYLAND STREET SUITE 204 RENO, NV 89502 | AFLAC | $26 | $2 | $28 | 0.06% |
| THE SNYDER BENEFITS FIRM LLC3 | 5954 LEWIS STREET UNIT 101 DALLAS, TX 75206 | AFLAC | $27 | — | $27 | 0.06% |
| ELENI A NIKOLAS3 | 3869 WINTERGREEN COURT MARIETTA, GA 30062 | AFLAC | $24 | — | $24 | 0.05% |
| MICHAEL SALVAGGIO3 | 1510 GLEN LAKE ROAD HOFFMAN ESTATES, IL 60169 | AFLAC | $23 | — | $23 | 0.05% |
| GRIZELDA V AYALA3 | 6021 WALKER BOULEVARD APARTMENT 1304 NORTH RICHLAND HILLS, TX 76180 | AFLAC | $22 | — | $22 | 0.05% |
| AMANDA C LONG3 | 107 HIDDEN OAK DRIVE MARS, PA 16046 | AFLAC | $22 | — | $22 | 0.05% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 5954 LEWIS STREET UNIT 101 DALLAS, TX 75206 | AFLAC | $19 | — | $19 | 0.04% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $19 | — | $19 | 0.04% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER COURT SUITE 102 LOUISVILLE, KY 40299 | AFLAC | $17 | — | $17 | 0.03% |
| BRADLEY L ELLIS3 | 6807 GRAINERY ROAD TIMNATH, CO 80547 | AFLAC | $15 | — | $15 | 0.03% |
| JASON B WEST3 | 1701 BASS ROAD SUITE 200 MACON, GA 31210 | AFLAC | $15 | — | $15 | 0.03% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SERVICES INC | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $14 | — | $14 | 0.03% |
| MITCHELL GORDON BRODSKY3 | 850 ARROWCREEK PARKWAY UNIT 21108 RENO, NV 89511 | AFLAC | $11 | $2 | $13 | 0.03% |
| JODI L DAVIS3 | 701 EAST MAIN STREET SOUTH ELGIN, IL 60177 | AFLAC | $12 | — | $12 | 0.02% |
| MICHAEL F DILLON JR3 | 80 CONTINENTAL DRIVE SUITE 103 RENO, NV 89509 | AFLAC | $11 | — | $11 | 0.02% |
| SUZETTE GOULD3 | 7924 CLEAR BROOK CIRCLE FORT WORTH, TX 76123 | AFLAC | $7 | $4 | $11 | 0.02% |
| CHRISTINA L MALOVANY3 | 1056 WOODHILL COURT ELGIN, IL 60120 | AFLAC | $10 | — | $10 | 0.02% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $10 | — | $10 | 0.02% |
| MICHAEL A ORTIZ3 | 4119 CORNFLOWER ROAD POPLAR GROVE, IL 61065 | AFLAC | $9 | — | $9 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $9 | — | $9 | 0.02% |
| KELLY KING WYSONG3 | 275 OAKLEY CIRCLE WEATHERFORD, TX 76085 | AFLAC | $8 | — | $8 | 0.02% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $8 | — | $8 | 0.02% |
| DENNIS HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $8 | — | $8 | 0.02% |
| NANCY E ODOM3 | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | AFLAC | $4 | $4 | $8 | 0.02% |
| GARY A SPANRAFT3 | 2031 SOLOMON SQUARE DELAWARE, OH 43015 | AFLAC | $6 | — | $6 | 0.01% |
| ROBIN R GULLIAS3 | 802 BRIARCREST LANE DALTON, OH 44618 | AFLAC | $6 | — | $6 | 0.01% |
| MARC J HAIRE3 | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | AFLAC | $6 | — | $6 | 0.01% |
| DANIEL J TAYLOR3 | 2170 NORTH LAKE DRIVE APARTMENT 6032 COLUMBIA, SC 29212 | AFLAC | $6 | — | $6 | 0.01% |
| MARC D BARNES3 | 148 FOSSIL LAKE COURT WILMINGTON, IL 60481 | AFLAC | $5 | — | $5 | 0.01% |
| DARRIN GLENN SPRADLEY3 | 17431 TAMARON DRIVE DALLAS, TX 75287 | AFLAC | $5 | — | $5 | 0.01% |
| LANCE S MEINERS3 | 557 LONG COVE AVON LAKE, OH 44012 | AFLAC | $5 | — | $5 | 0.01% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY INC | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $4 | — | $4 | 0.01% |
| THERESA J SMITH3 | 18411 STANDWICK DRIVE LOUISVILLE, KY 40245 | AFLAC | $4 | — | $4 | 0.01% |
| CRAIG S DAVIES3 | 531 SANDY LANE FLOWER MOUND, TX 75022 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $3 | — | $3 | 0.01% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 316 BARBATO LANE SACRAMENTO, CA 95814 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID P AESOPH3 | 2700 WEST NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $3 | — | $3 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $3 | — | $3 | 0.01% |
| SUSAN MARY RATCLIFFE3 | 924 CRAIG AVENUE SHELBYVILLE, KY 40065 | AFLAC | $3 | — | $3 | 0.01% |
| KANDACE M MCCARTHY3 | 6119 HIGHLAND LANE 304 CANTERFIELD PARKWAY WEST VILLAGE OF LAKEWOOD, IL 60014 | 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 LANE SOUTHLAKE, TX 76092 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID D SIMPSON3 | 7724 TAMARRON COURT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $2 | — | $2 | 0.00% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DRIVE SEBRING, FL 33875 | AFLAC | $2 | — | $2 | 0.00% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | 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 | 7808 EAST CYPRESS STREET SCOTTSDALE, AZ 85257 | 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 | 16141 HOWE ROAD STRONGSVILLE, OH 44136 | AFLAC | $1 | — | $1 | 0.00% |
| TOMMY L JOHNSON JR3 | 711 SOUTH OLIVE STREET APARTMENT 314 LOS ANGELES, CA 90014 | AFLAC | $1 | — | $1 | 0.00% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FREEWAY SUITE 660 DALLAS, TX 75234 | 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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 173 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $175K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $175K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $175K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $223K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $175K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.