| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PARTNERS GROUP LLC3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | HUMANA HEALTH PLAN, INC. | $62K | — | $62K | 2.65% |
| BENEFIT PARTNERS GROUP A DIVISION O3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | HUMANA HEALTH PLAN, INC. | $29K | — | $29K | 1.23% |
| BENEFIT PARTNERS GROUP LLC3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERYVILLE, IL 60048 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | $8K | $37K | 20.87% |
| STEVE C HATHORN3 | 2127 SILVERSTONE DRIVE CARPENTERSVILLE, IL 60110 | AFLAC | $3K | — | $3K | 4.88% |
| IRIS RENE GOODALL3 | 1207 TAXUS TOP LANE UNIT 201 LOUISVILLE, KY 40243 | AFLAC | $2K | — | $2K | 3.72% |
| DAWN E SULLIVAN3 | 865 NORTH HAMETOWN ROAD AKRON, OH 44333 | AFLAC | $646 | — | $646 | 1.25% |
| LAURA MARIE GOVANUS3 | 2045 WREN ROAD NEW ALBANY, IN 47150 | AFLAC | $413 | — | $413 | 0.80% |
| POLARIS INSURANCE GROUP LLC3 | 40 ATWATER AVENUE LIMAVILLE, OH 44641 | AFLAC | $362 | — | $362 | 0.70% |
| REBECCA ANN DOEPKE3 | 9500 DEERFOOT TERRACE APARTMENT 205 PROSPECT, KY 40059 | AFLAC | $277 | — | $277 | 0.53% |
| WAYNE R BALL3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | AFLAC | $257 | — | $257 | 0.50% |
| GERALD A GREENEN3 | 1212 SOUTH NAPER BOULEVARD SUITE 119-190 NAPERVILLE, IL 60540 | AFLAC | $245 | — | $245 | 0.47% |
| MARK L HENDERSON3 | 4450 BELDEN VILLAGE STREET NORTHWES SUITE 700 CANTON, OH 44718 | AFLAC | $158 | — | $158 | 0.30% |
| MICHELE M BRIGHT3 | 5105 TOLLVIEW DRIVE SUITE 285 ROLLING MEADOWS, IL 60008 | AFLAC | $155 | — | $155 | 0.30% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $154 | — | $154 | 0.30% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $147 | — | $147 | 0.28% |
| DANIEL E ELLIS3 | 201 SOUTH MAPLE AVENUE APARTMENT 104 OAK PARK, IL 60302 | AFLAC | $119 | — | $119 | 0.23% |
| ROBERT SAMUEL CONNER3 | 2899 HOT SPRINGS ROAD MINDEN, NV 89423 | AFLAC | $116 | — | $116 | 0.22% |
| RUBICON REGION LLC3 | 1862 KEYSTONE PLACE SCHAUMBURG, IL 60193 | AFLAC | $112 | — | $112 | 0.22% |
| GLEN E TWAITS3 | 2006 DOUBLE EAGLE DRIVE MISSION, TX 78572 | AFLAC | $108 | — | $108 | 0.21% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER COURT SUITE 102 LOUISVILLE, KY 40299 | AFLAC | $66 | — | $66 | 0.13% |
| H J SAMAAN INC3 | 477 EAST BUTTERFIELD ROAD SUITE 206 LOMBARD, IL 60148 | AFLAC | $66 | — | $66 | 0.13% |
| ANGELA SCHIEK3 Filed as: ANGELA MEDINA | 401 RYLAND STREET SUITE 204 RENO, NV 89502 | AFLAC | $57 | — | $57 | 0.11% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DRIVE MCKINNEY, TX 75071 | AFLAC | $46 | — | $46 | 0.09% |
| JAMES A RIED3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $42 | — | $42 | 0.08% |
| DEBRA HENDRICKSON3 Filed as: DEBRA L HENDRICKSON | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $38 | — | $38 | 0.07% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD SUITE 1 BYRON, IL 61010 | AFLAC | $37 | — | $37 | 0.07% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $37 | — | $37 | 0.07% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DRIVE FLEMING ISLAND, FL 32003 | AFLAC | $35 | — | $35 | 0.07% |
| JOHN F ADAMSKY3 | PO BOX 6164 NEW PHILADELPHIA, OH 44663 | 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% |
| ELIZABETH M GASPAROVIC3 | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $32 | — | $32 | 0.06% |
| HEATHER K WILSON-ARLINGHAUS3 | PO BOX 18247 ERLANGER, KY 41018 | AFLAC | $30 | — | $30 | 0.06% |
| MICHAEL FINLEY3 Filed as: MICHAEL D FINLEY | 907 EAST FRONT STREET DOVER, OH 44622 | AFLAC | $28 | — | $28 | 0.05% |
| HELEN MENDEZ3 Filed as: HELEN L MENDEZ | 534 BRIGHTWATER STREET HENDERSON, NV 89014 | AFLAC | $28 | — | $28 | 0.05% |
| KEVIN CURTIS3 | 401 RYLAND STREET SUITE 204 RENO, NV 89502 | AFLAC | $26 | — | $26 | 0.05% |
| ROBERT R CUNDIFF3 | 8508 FERNDALE ROAD LOUISVILLE, KY 40291 | AFLAC | $24 | — | $24 | 0.05% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $24 | — | $24 | 0.05% |
| ELENI A NIKOLAS3 | 3869 WINTERGREEN COURT MARIETTA, GA 30062 | AFLAC | $24 | — | $24 | 0.05% |
| SHARON JOYCE JOHNSTON3 | 218 NORTH WILLOW STREET MANSFIELD, TX 76063 | AFLAC | $23 | — | $23 | 0.04% |
| MICHAEL SALVAGGIO3 | 1510 GLEN LAKE ROAD HOFFMAN ESTATES, IL 60169 | AFLAC | $23 | — | $23 | 0.04% |
| HENRY J SAMAAN3 | 477 EAST BUTTERFIELD ROAD SUITE 206 LOMBARD, IL 60148 | AFLAC | $22 | — | $22 | 0.04% |
| GRIZELDA V AYALA3 | 6021 WALKER BOULEVARD APARTMENT 1304 NORTH RICHLAND HILLS, TX 76180 | AFLAC | $22 | — | $22 | 0.04% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $19 | — | $19 | 0.04% |
| MITCHELL GORDON BRODSKY3 | 135 BLAIR PLACE RENO, NV 89509 | AFLAC | $18 | — | $18 | 0.03% |
| JOHN J MACIAS JR3 | 950 NORTH UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $15 | — | $15 | 0.03% |
| AMANDA C LONG3 | 107 HIDDEN OAK DRIVE MARS, PA 16046 | AFLAC | $15 | — | $15 | 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 | $14 | — | $14 | 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% |
| JENNIE DALINIS3 | 401 RYLAND STREET SUITE 204 RENO, NV 89502 | AFLAC | $10 | — | $10 | 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% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $8 | — | $8 | 0.02% |
| TRACI R BATTEN3 | 375 HARBOUR COVE DRIVE APARTMENT 323 SPARKS, NV 89434 | AFLAC | $7 | — | $7 | 0.01% |
| JENNIFER E MACIAS3 | 950 NORTH UNIVERSITY PARK LOOP RENO, NC 89512 | AFLAC | $7 | — | $7 | 0.01% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $6 | — | $6 | 0.01% |
| 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 | $5 | — | $5 | 0.01% |
| MARC D BARNES3 | 148 FOSSIL LAKE COURT WILMINGTON, IL 60481 | AFLAC | $5 | — | $5 | 0.01% |
| LANCE S MEINERS3 | 557 LONG COVE AVON LAKE, OH 44012 | AFLAC | $5 | — | $5 | 0.01% |
| DENNIS HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $5 | — | $5 | 0.01% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | AFLAC | $4 | — | $4 | 0.01% |
| STEPHEN KELLS3 | 1026 BALDWIN LANE OAK PARK, IL 60302 | AFLAC | $4 | — | $4 | 0.01% |
| THERESA J SMITH3 | 18411 STANDWICK DRIVE LOUISVILLE, KY 40245 | AFLAC | $4 | — | $4 | 0.01% |
| DARRIN GLENN SPRADLEY3 | 17431 TAMARON DRIVE DALLAS, TX 75287 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $3 | — | $3 | 0.01% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $3 | — | $3 | 0.01% |
| DAVID P AESOPH3 | 2700 WEST NICOLE DRIVE SIOUX FALLS, SD 57105 | 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% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $2 | — | $2 | 0.00% |
| KANDACE M MCCARTHY3 | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | 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 | $1 | — | $1 | 0.00% |
| WILLIAM CASSIDY WAGNER3 | 2422 LUCILLE STREET WINSTON SALEM, NC 27127 | AFLAC | $1 | — | $1 | 0.00% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $1 | — | $1 | 0.00% |
| OPPORTUNITY INC3 | 9404 WOODCHIP LANE BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S DICKINSON | 16141 HOWE ROAD STRONGSVILLE, OH 44136 | AFLAC | $1 | — | $1 | 0.00% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 316 BARBATO LANE SACRAMENTO, CA 95814 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD J GRETHEL3 | 648 HANNA AVENUE LOVELAND, OH 45140 | 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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | 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. | 166 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $179K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $179K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $179K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $231K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $179K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.