| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $90K | $13K | $103K | 4.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA BENEFIT PARTNERS GROUP 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | — | $29K | 15.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.99% |
| STEVE C HATHORN3 | 2127 SILVERSTONE DRIVE CARPENTERSVILLE, IL 60110 | AFLAC | $917 | — | $917 | 4.01% |
| IRIS RENE GOODALL3 | 1207 TAXUS TOP LANE UNIT 201 LOUISVILLE, KY 40243 | AFLAC | $162 | — | $162 | 0.71% |
| GERALD A GREENEN3 | 472 NORTH SUGAR GROVE PARKWAY SUITE F102 SUGAR GROVE, IL 60554 | AFLAC | $149 | — | $149 | 0.65% |
| WAYNE R BALL3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | AFLAC | $106 | — | $106 | 0.46% |
| LAURA MARIE GOVANUS3 | 5734 NORTH STATE ROAD 66 MILLTOWN, IN 47145 | AFLAC | $87 | — | $87 | 0.38% |
| DANIEL E ELLIS3 | 313 NNORTH KENILWORTH AVENUE OAK PARK, IL 60302 | AFLAC | $72 | — | $72 | 0.31% |
| MICHELE M BRIGHT3 | 1430 LOCH LOMOND DRIVE CRYSTAL LAKE, IL 60014 | AFLAC | $63 | — | $63 | 0.28% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $62 | — | $62 | 0.27% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $47 | — | $47 | 0.21% |
| ALLISON JONES LUCKETT3 | 10610 WATTERSON CENTER COURT SUITE 102 LOUISVILLE, KY 40299 | AFLAC | $41 | — | $41 | 0.18% |
| REBECCA ANN DOEPKE3 | 4019 DEER LAKE CIRCLE PROSPECT, KY 40059 | AFLAC | $40 | — | $40 | 0.17% |
| DAWN E SULLIVAN3 | 865 NORTH HAMETOWN ROAD AKRON, OH 44333 | AFLAC | $32 | — | $32 | 0.14% |
| ANGELA SCHIEK3 Filed as: ANGELA MEDINA | 6900 SHARLANDS AVENUE SUITE 1111 RENO, NV 89523 | AFLAC | $27 | — | $27 | 0.12% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 506 CANTERBURY DRIVE LAGRANGE, GA 30241 | AFLAC | $27 | — | $27 | 0.12% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DRIVE MCKINNEY, TX 75071 | AFLAC | $25 | — | $25 | 0.11% |
| ROBERT SAMUEL CONNER3 | 2899 HOT SPRINGS ROAD MINDEN, NV 89423 | AFLAC | $25 | — | $25 | 0.11% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD SUITE 1 BYRON, IL 61010 | AFLAC | $24 | — | $24 | 0.10% |
| POLARIS INSURANCE GROUP LLC3 | 40 ATWATER AVENUE LIMAVILLE, OH 44641 | AFLAC | $22 | — | $22 | 0.10% |
| JAMES A RIED3 | 6036 BEAR CREEK COURT COLUMBUS, GA 31909 | AFLAC | $22 | — | $22 | 0.10% |
| BROCK POWELL3 | 1763 FIDDLERS RIDGE DRIVE FLEMING ISLAND, FL 32003 | AFLAC | $22 | — | $22 | 0.10% |
| VERNON P HERRERA3 | PO BOX 310 SANTA FE, NM 87504 | AFLAC | $20 | — | $20 | 0.09% |
| DEBRA HENDRICKSON3 Filed as: DEBRA L HENDRICKSON | 17 RIDGE WOOD DRIVE MONROE, OH 45050 | AFLAC | $16 | — | $16 | 0.07% |
| ROBERT R CUNDIFF3 | 8508 FERNDALE ROAD LOUISVILLE, KY 40291 | AFLAC | $15 | — | $15 | 0.07% |
| HELEN MENDEZ3 Filed as: HELEN L MENDEZ | 534 BRIGHTWATER STREET HENDERSON, NV 89014 | AFLAC | $15 | — | $15 | 0.07% |
| ELENI A NIKOLAS3 | 312 ABBEY COURT CANTON, GA 30115 | AFLAC | $14 | — | $14 | 0.06% |
| R AARON WRIGHT3 | 9505 TRUSCOTT COURT PROSPECT, KY 40059 | AFLAC | $14 | — | $14 | 0.06% |
| MICHAEL SALVAGGIO3 Filed as: MICHAEL SALCAGGIO | 1510 GLEN LAKE ROAD HOFFMAN ESTATES, IL 60169 | AFLAC | $14 | — | $14 | 0.06% |
| GLEN E TWAITS3 | 2006 DOUBLE EAGLE DRIVE MISSION, TX 78572 | AFLAC | $14 | — | $14 | 0.06% |
| GRIZELDA V AYALA3 | 6021 WALKER BOULEVARD APARTMENT 1304 NORTH RICHLAND HILLS, TX 76180 | AFLAC | $14 | — | $14 | 0.06% |
| HEATHER K WILSON-ARLINGHAUS3 | PO BOX 18247 ERLANGER, KY 41018 | AFLAC | $14 | — | $14 | 0.06% |
| KEVIN CURTIS3 | PO BOX 11185 RENO, NV 89510 | AFLAC | $12 | — | $12 | 0.05% |
| MARK L HENDERSON3 | 8155 GARNET AVENUE NORTHEAST CANTON, OH 44721 | AFLAC | $11 | — | $11 | 0.05% |
| SHARON JOYCE JOHNSTON3 | 218 NORTH WILLOW STREET MANSFIELD, TX 76063 | AFLAC | $10 | — | $10 | 0.04% |
| HENRY J SAMAAN3 | 477 EAST BUTTERFIELD ROAD SUITE 206 LOMBARD, IL 60148 | AFLAC | $9 | — | $9 | 0.04% |
| BRADLEY L ELLIS3 | 6807 GRAINEY ROAD TIMNATH, CO 80547 | AFLAC | $9 | — | $9 | 0.04% |
| H J SAMAAN INC3 Filed as: HJ SAMAAN INC | 477 EAST BUTTERFIELD ROAD SUISTE 206 LOMBARD, IL 60148 | AFLAC | $9 | — | $9 | 0.04% |
| JOHN J MACIAS JR3 | 950 NORTH UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $8 | — | $8 | 0.03% |
| MARK GALVIN LLC3 Filed as: MARK A GALVIN | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $8 | — | $8 | 0.03% |
| JASON B WEST3 | 1701 BASS ROAD SUITE 200 MACON, GA 31210 | AFLAC | $7 | — | $7 | 0.03% |
| MICHAEL F DILLON JR3 | 80 CONTINENTAL DRIVE SUITE 103 RENO, NV 89509 | AFLAC | $7 | — | $7 | 0.03% |
| CHRISTINA L MALOVANY3 | 1056 WOODHILL COURT ELGIN, IL 60120 | AFLAC | $6 | — | $6 | 0.03% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LANE ELGIN, IL 60123 | AFLAC | $5 | — | $5 | 0.02% |
| JAMES A RIED3 | 150 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $4 | — | $4 | 0.02% |
| ELIZABETH M GASPAROVIC3 | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $4 | — | $4 | 0.02% |
| MITCHELL GORDON BRODSKY3 | 135 BLAIR PLACE RENO, NV 89509 | AFLAC | $4 | — | $4 | 0.02% |
| GARY A SPANRAFT3 | 218 VISTA RIDGE DRIVE DELAWARE, OH 43015 | AFLAC | $4 | — | $4 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $4 | — | $4 | 0.02% |
| JENNIFER E MACIAS3 | 950 NORTH UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $4 | — | $4 | 0.02% |
| MARC J HAIRE3 | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | AFLAC | $3 | — | $3 | 0.01% |
| MARK GALVIN LLC3 | 204 DEERFIELD HILLS ROAD ELIZABETHTOWN, KY 42701 | AFLAC | $3 | — | $3 | 0.01% |
| DENNIS HARTIN3 | 12203 STATE STREET TAMPA, FL 33635 | AFLAC | $3 | — | $3 | 0.01% |
| STEPHEN KELLS3 | 1026 BALDWIN LANE OAK PARK, IL 60302 | AFLAC | $2 | — | $2 | 0.01% |
| DARRIN GLENN SPRADLEY3 | 17431 TAMARON DRIVE DALLAS, TX 75287 | AFLAC | $2 | — | $2 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $2 | — | $2 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.01% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN J DAY3 | 13189 HITCHING POST ROAD DEWITT, MI 48820 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL A SIMPSON3 | 1318 MONTGOMERY LANE SOUTHLAKE, TX 76092 | AFLAC | $1 | — | $1 | 0.00% |
| THERESA J SMITH3 | 18411 STANDWICK DRIVE LOUISVILLE, KY 40245 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID D SIMPSON3 | 7724 TAMARRON COURT NORTH RICHLAND HILLS, TX 76182 | AFLAC | $1 | — | $1 | 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% |
| DANIEL J TAYLOR3 | 2170 NORTH LAKE DRIVE APARTMENT 6032 COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.00% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $1 | — | $1 | 0.00% |
| SUSAN MARY RATCLIFFE3 | 924 CRAIG AVENUE SHELBYVILLE, KY 40065 | AFLAC | $1 | — | $1 | 0.00% |
| MARC D BARNES3 | 148 FOSSIL LAKE COURT WILMINGTON, IL 60481 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER D BOULDREY3 | 448 ROVER WOODS DR FLUSHING, MI 48433 | 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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | 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) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 296 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $194K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $194K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $194K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $217K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $194K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.