| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD J RENCH3 | PO BOX 728 LOMBARD, IL 601480728 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 0.76% |
| ORLANDO R DOBRINCU3 | 15419 W 127TH STREET LEMONT, IL 60439 | AFLAC | $15K | $649 | $15K | 6.04% |
| RENCH BRUNDAGE LLC3 Filed as: RENCH BRUDNAGE LLC | PO BOX 728 LOMBARD, IL 60148 | AFLAC | $4K | — | $4K | 1.49% |
| JEFF LAMBERT3 | 15419 W 127TH ST LEMONT, IL 60439 | AFLAC | $3K | $179 | $3K | 1.21% |
| NORMA HUERTA3 | 14420 S ALBANY AVE POSEN, IL 60469 | AFLAC | $3K | — | $3K | 1.06% |
| KIMBERLEY A DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $2K | $116 | $2K | 0.74% |
| DEAN R LOPPNOW3 | 4524 CAPSTAN DR HOFFMAN ESTATES, IL 60195 | AFLAC | $2K | — | $2K | 0.65% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DR. BLOOMINGDALE, IL 60108 | AFLAC | $2K | $105 | $2K | 0.65% |
| DESIREE M RODRIGUEZ3 Filed as: DESIREE M RODRIQUEZ | 1312 RAYMOND ST JOLIET, IL 60431 | AFLAC | $1K | — | $1K | 0.57% |
| MELISSA B BOYLE3 | 14301 N 87TH ST STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $1K | $121 | $1K | 0.46% |
| JOSHUA J PARISE3 | 7325 JAMES AVE WOODRIDGE, IL 60517 | AFLAC | $1K | — | $1K | 0.44% |
| CHAD NELSON3 | 490 EAST ROOSEVELT ROAD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $587 | — | $587 | 0.23% |
| JEANNINE CAPPUSO3 | 10308 PALERMO CIR APT 203 TAMPA, FL 33619 | AFLAC | $481 | — | $481 | 0.19% |
| MARIA J NOVOA3 | 26 COUR D ALENE PALOS HILLS, IL 60465 | AFLAC | $479 | — | $479 | 0.19% |
| JORDAN T THOMAS3 | 6424 E INGLEWOOD ST MESA, AZ 85205 | AFLAC | $462 | — | $462 | 0.18% |
| ELIZABETH M GASPAROVIC3 | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $436 | — | $436 | 0.17% |
| LYNN S LOPPNOW3 | 4524 CAPSTAN DRIVE HOFFMAN ESTATES, IL 60192 | AFLAC | $402 | — | $402 | 0.16% |
| EDGAR E PUNTI3 | 5004 N SPRINGFIELD AVE FL 2 CHICAGO, IL 60625 | AFLAC | $402 | — | $402 | 0.16% |
| MICHAEL I STONESIFER3 | 12504 CARDINAL CREEK DR FRISCO, TX 75033 | AFLAC | $384 | — | $384 | 0.15% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST. STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $262 | $113 | $375 | 0.15% |
| NICOLE T WOOD3 | 40072 N LERWICK DR SAN TAN VALLEY, AZ 85140 | AFLAC | $303 | $47 | $350 | 0.14% |
| SCALETTA INSURANCE AGENCY INC3 | 4552 N OTTAWA AVE NORRIDGE, IL 60706 | AFLAC | $350 | — | $350 | 0.14% |
| JEFFREY B POPE3 | 4452 TRAILSIDE CT HOFFMAN ESTATES, IL 60192 | AFLAC | $308 | — | $308 | 0.12% |
| THERESA VARGAS3 | 7210 W ISHNALA DR PALOS HEIGHTS, IL 60643 | AFLAC | $305 | $3 | $308 | 0.12% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $291 | — | $291 | 0.11% |
| BRITTON JOHNSON3 Filed as: BRITTON L JOHNSON | 1069 W BROAD ST STE 153 FALLS CHURCH, VA 22046 | AFLAC | $237 | $38 | $275 | 0.11% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $269 | — | $269 | 0.11% |
| WILLIAM M LOFTUS3 | 3906 ROYAL FOX DR ST CHARLES, IL 60174 | AFLAC | $268 | — | $268 | 0.11% |
| JAMES N KINDLON3 | 515 COMMANCHE LN CAROL STREAM, IL 60188 | AFLAC | $237 | — | $237 | 0.09% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $183 | $38 | $221 | 0.09% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $215 | — | $215 | 0.08% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $172 | $38 | $210 | 0.08% |
| GARY A SPANRAFT3 | 58 GREENHEDGE CIR DELAWARE, OH 43015 | AFLAC | $198 | — | $198 | 0.08% |
| 22 INSURANCE GROUP INC3 | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | AFLAC | $192 | — | $192 | 0.08% |
| NATALIE CARRILLO3 | PO BOX 8151 LA CRESCENTA, CA 91224 | AFLAC | $181 | — | $181 | 0.07% |
| NICHOLAS D NAVARROLI3 | 601 NEWPORT WESTMONT, IL 60559 | AFLAC | $158 | — | $158 | 0.06% |
| SUMMER L CAIN3 | 490 E ROOSEVELT RD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $129 | — | $129 | 0.05% |
| DEBORAH A GUILBEAULT3 | 120 VALLEY VIEW DR ALGONQUIN, IL 60102 | AFLAC | $121 | — | $121 | 0.05% |
| LUZ CASTILLO BARRIGA3 Filed as: LUZ C BARRIGA | 22019 JUAN AVE HAWAIIAN GARDENDS, CA 90716 | AFLAC | $118 | — | $118 | 0.05% |
| JEFFREY MENARD3 Filed as: JEFFREY J MENARD | 830 HOWELL DR GENEVA, IL 60134 | AFLAC | $118 | — | $118 | 0.05% |
| JUANITA PATTERESON3 | 8454 S 86TH AVE JUSTICE, IL 60458 | AFLAC | $117 | — | $117 | 0.05% |
| KHACHATOUR MANOUKIAN3 Filed as: KHACHATOUR CHRIS MANOUKIAN | 221 N BELMONT STREET 7 GLENDALE, CA 91206 | AFLAC | $78 | $8 | $86 | 0.03% |
| TOMMY L JOHNSON JR3 | 11620 WILSHIRE BLVD STE 210 LOS ANGELES, CA 90025 | AFLAC | $82 | — | $82 | 0.03% |
| QUISHA N TURNER3 | 5544 MCCULLOCH AVE APT 9 TEMPLE CITY, CA 91780 | AFLAC | $68 | $5 | $73 | 0.03% |
| FRANK BORGES3 | 930 ELM ST PARK RIDGE, IL 60068 | AFLAC | $70 | — | $70 | 0.03% |
| GUSTAVO RUBIO3 | 210 E 64TH ST LOS ANGELES, CA 90003 | AFLAC | $62 | — | $62 | 0.02% |
| ELIZABETH A LENZO3 | 265 W NAOMI AVE ARCADIA, CA 91007 | AFLAC | $50 | $8 | $58 | 0.02% |
| J B ERICSON & ASSOCIATES INC3 | 311 STONELEIGH LANE OSWEGO, IL 60543 | AFLAC | $55 | — | $55 | 0.02% |
| ROBERT K NASH3 | 216 CIRCLE DRIVE TOWER LAKES, IL 60010 | AFLAC | $53 | — | $53 | 0.02% |
| JODI L DAVIS3 | 701 E MAIN ST SOUTH ELGIN, IL 60177 | AFLAC | $48 | — | $48 | 0.02% |
| ADAM H MICHAELS3 | 12121 WILSHIRE BLVD STE 1225 LOS ANGELES, CA 90025 | AFLAC | $39 | $8 | $47 | 0.02% |
| TAMMY A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $47 | — | $47 | 0.02% |
| RICHARD A FEARE & ASSOCIATES3 | 800 S NORTHWEST HIGHWAY STE 202C BARRINGTON, IL 60010 | AFLAC | $47 | — | $47 | 0.02% |
| PETER BARR3 | 7705 NANTUCKET DR DARIEN, IL 60561 | AFLAC | $45 | — | $45 | 0.02% |
| DENNIS J CASSENS3 | 3422 COLONY BAY DRIVE STE 1 ROCKFORD, IL 61109 | AFLAC | $40 | — | $40 | 0.02% |
| KATHLEEN WARE3 | 214 GLEN ELLYN RD APT 101 BLOOMINGDALE, IL 60108 | AFLAC | $37 | — | $37 | 0.01% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $28 | — | $28 | 0.01% |
| ROBERT CZERWINSKI3 Filed as: ROBERT L CZERWINSKI | 3512 STONE CREEK JOLIET, IL 60435 | AFLAC | $27 | — | $27 | 0.01% |
| STEVE HATHORN3 | 4N960 MIDDLECREEK LANE SAINT CHARLES, IL 60175 | AFLAC | $25 | — | $25 | 0.01% |
| KENNETH J HOFFMAN3 | N65 W13544 COBBLESTONE CT MENOMONEE FALLS, WI 53051 | AFLAC | $23 | — | $23 | 0.01% |
| MICHELE M BRIGHT3 | 9217 S IL ROUTE 31 LK IN THE HLS, ID 60156 | AFLAC | $22 | — | $22 | 0.01% |
| DEBORAH G SEED3 | 638 N GENESEE WAUKEGAN, IL 60085 | AFLAC | $21 | — | $21 | 0.01% |
| SAM TOURLOUKIS3 | 9433 HARDING AVE EVANSTON, IL 60203 | AFLAC | $20 | — | $20 | 0.01% |
| RIGO ZAMUDIO3 | 527 STEPHANIE DR LOCKPORT, IL 60441 | AFLAC | $18 | — | $18 | 0.01% |
| BRUCE S RAKOSNIK3 | 1011 E TAYLOR ST DEKALB, IL 60115 | AFLAC | $17 | — | $17 | 0.01% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 50 HURT PLZ SE STE 995 ATLANTA, GA 30303 | AFLAC | $16 | — | $16 | 0.01% |
| ED KRAUSE3 | 2450 AIRPORT RD APT N2131 LONGMONT, CO 80503 | AFLAC | $16 | — | $16 | 0.01% |
| DARREN EDWARD GALGANO3 | 4701 W MIDLOTHIAN TPKE CRESTWOOD, IL 60445 | AFLAC | $15 | — | $15 | 0.01% |
| JEFFERSON F BATT3 | 2412 DAKOTA RIDGE JOHNSBURG, IL 60051 | AFLAC | $15 | — | $15 | 0.01% |
| NANCI L LYONS3 | 2441 BLUE SPRUCE LANE AURORA, IL 60502 | AFLAC | $14 | — | $14 | 0.01% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $14 | — | $14 | 0.01% |
| SARAH CHIESA3 | 7838 W RASCHER AVE CHICAGO, IL 60656 | AFLAC | $13 | — | $13 | 0.01% |
| RONALD E HAERLE3 | 4119 CORNFLOWER RD POPLAR GROVE, IL 61065 | AFLAC | $11 | — | $11 | 0.00% |
| CHRISTOPHER SIMONS3 | 225 SOUTH ROHLWING RD UNIT 214 PALATINE, IL 60067 | AFLAC | $10 | — | $10 | 0.00% |
| BILLY MICHAEL HENDERSON3 | 23716 SPRINGS CT UNIT 109 PLAINFIELD, IL 60585 | AFLAC | $9 | — | $9 | 0.00% |
| DANIEL F ORTIZ3 | 118 DREW CT NE POPLAR GROVE, IL 61065 | AFLAC | $9 | — | $9 | 0.00% |
| KRISTEN BRUNZELL3 Filed as: KRISTEN M BRUNZELL | 17291 IRVINE BLVD STE 385 TUSTIN, CA 92780 | AFLAC | $9 | — | $9 | 0.00% |
| KELLY V ZURZOLO3 | 9217 S IL RTE 31 STE 200 LAKE IN THE HILLS, IL 60156 | AFLAC | $7 | — | $7 | 0.00% |
| WESLEY E SARTAIN3 | 1700 N FARNSWORTH AVE SUITE 26 AURORA, IL 60505 | AFLAC | $7 | — | $7 | 0.00% |
| ROBERT D SANCHEZ3 | 39607 VIA DOMINIQUE MURRIETA, CA 92563 | AFLAC | $7 | — | $7 | 0.00% |
| VINCE SCALETTA3 | 4552 N OTTAWA AVE NORRIDGE, IL 60706 | AFLAC | $5 | — | $5 | 0.00% |
| SCOTT W BLACKSHEAR3 | 3453 CATHRYN DR COLUMBUS, GA 31906 | AFLAC | $5 | — | $5 | 0.00% |
| MEGAN WETHERELL3 | 7660 FARM HILL DR BLACKLICK, OH 43004 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES CAPPEL3 | 24346 S DUPAGE DRIVE CHANNAHON, IL 60410 | AFLAC | $4 | — | $4 | 0.00% |
| LYNETTE R STEVENS3 | 490 E ROOSEVELT RD STE 203 WEST CHICAGO, ID 60185 | AFLAC | $3 | — | $3 | 0.00% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $3 | — | $3 | 0.00% |
| TERRANCE M LUCZAJ3 | 255 E RINCON STREET SUITE 110 CORONA, CA 92879 | AFLAC | $3 | — | $3 | 0.00% |
| RICK A SHIMMINS3 | 2007 16TH AVENUE ROCKFORD, IL 61104 | AFLAC | $3 | — | $3 | 0.00% |
| MIKE YURCZYK3 | 901 MARQUETTE AVE STE 1500 MINNEAPOLIS, MN 55402 | AFLAC | $3 | — | $3 | 0.00% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 1001 CONRAD LN SHOREWOOD, IL 60404 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT D SANCHEZ3 | 1192 SUNRIVER LN REDDING, CA 96001 | AFLAC | $1 | — | $1 | 0.00% |
| RAUL P GONZALEZ3 | 3317 PARK AVE BROOKFIELD, IL 60513 | AFLAC | $0 | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $849 | — | $849 | 2.79% |
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 | 3,525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,760 | $582K |
| Vision(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 1,760 | $640K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 374 | $284K |
| Long-term disability | AFLAC | 374 | $254K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 360 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,760 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.