| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RENCH BRUNDAGE LLC3 Filed as: RENCH-BRUNDAGE LLC | PO BOX 728 LOMBARD, IL 601480728 | AMERITAS LIFE INSURANCE CORPORATION | $18K | — | $18K | 3.00% |
| ORLANDO R DOBRINCU3 | 15419 W 127TH STREET LEMONT, IL 60439 | AFLAC | $16K | $1K | $17K | 5.94% |
| NORMA HUERTA3 | 9701 S 78TH STREET STE 202 HICKORY HILLS, IL 60457 | AFLAC | $6K | $304 | $6K | 2.20% |
| RENCH BRUNDAGE LLC3 Filed as: RENCH BRUDNAGE LLC | PO BOX 728 LOMBARD, IL 60148 | AFLAC | $6K | — | $6K | 2.04% |
| JEFF LAMBERT3 | 15419 W 127TH ST LEMONT, IL 60439 | AFLAC | $4K | $302 | $4K | 1.45% |
| CAROL D CHERRY3 Filed as: CAROL CHERRY | 336 PLEASANT ST SYCAMORE, IL 60178 | AFLAC | $2K | — | $2K | 0.78% |
| KIMBERLEY A DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $1K | $65 | $2K | 0.52% |
| DEAN R LOPPNOW3 | 4524 CAPSTAN DR HOFFMAN ESTATES, IL 60195 | AFLAC | $2K | — | $2K | 0.52% |
| PETER BARR3 | 7705 NANTUCKET DR DARIEN, IL 60561 | AFLAC | $1K | $15 | $1K | 0.45% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DR. BLOOMINGDALE, IL 60108 | AFLAC | $1K | — | $1K | 0.43% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $985 | — | $985 | 0.34% |
| JUANITA PATTERESON3 | 8454 S 86TH AVE JUSTICE, IL 60458 | AFLAC | $933 | $33 | $966 | 0.33% |
| THERESA VARGAS3 | 7210 W ISHNALA DR PALOS HEIGHTS, IL 60643 | AFLAC | $842 | $100 | $942 | 0.32% |
| MARCHELLE Y NICHOLS-BAKER3 Filed as: MARCHELLE NICHOLS-BAKER | 9701 S 78TH AVE STE 202 HICKORY HILLS, IL 60457 | AFLAC | $920 | — | $920 | 0.32% |
| CHAD NELSON3 | 490 EAST ROOSEVELT ROAD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $833 | — | $833 | 0.29% |
| EDGAR E PUNTI3 | 5004 N SPRINGFIELD AVE FL 2 CHICAGO, IL 60625 | AFLAC | $637 | — | $637 | 0.22% |
| LYNETTE R STEVENS3 | 203 ASHWOOD DR SYCAMORE, ID 60178 | AFLAC | $519 | — | $519 | 0.18% |
| MARIA J NOVOA3 | 26 COUR D ALENE PALOS HILLS, IL 60465 | AFLAC | $447 | — | $447 | 0.15% |
| ELIZABETH CAROL VESELY3 Filed as: ELIZABETH VESELY | 27910 N 66TH LN PHOENIX, AL 85083 | AFLAC | $420 | — | $420 | 0.14% |
| JEANNINE CAPPUSO3 | 6421 CONGRESS AVE STE 100 BOCA RATON, FL 33487 | AFLAC | $399 | — | $399 | 0.14% |
| ELIZABETH M GASPAROVIC3 | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $388 | — | $388 | 0.13% |
| ANTHONY J WHITBY3 Filed as: ANTHONY WHITBY | 264 N 153RD AVE GOODYEAR, AZ 85338 | AFLAC | $381 | — | $381 | 0.13% |
| SCALETTA INSURANCE AGENCY INC3 | 4552 N OTTAWA AVE NORRIDGE, IL 60706 | AFLAC | $356 | — | $356 | 0.12% |
| MICHAEL I STONESIFER3 | 14674 PEPPERIDGE AVE GRAND HAVEN, MI 49417 | AFLAC | $355 | — | $355 | 0.12% |
| LYNN S LOPPNOW3 | 4524 CAPSTAN DRIVE HOFFMAN ESTATES, IL 60192 | AFLAC | $352 | — | $352 | 0.12% |
| DESIREE M RODRIGUEZ3 Filed as: DESIREE M RODRIQUEZ | 1312 RAYMOND ST JOLIET, IL 60431 | AFLAC | $206 | $75 | $281 | 0.10% |
| JEFFREY B POPE3 | 4452 TRAILSIDE CT HOFFMAN ESTATES, IL 60192 | AFLAC | $271 | — | $271 | 0.09% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $267 | — | $267 | 0.09% |
| MELISSA B BOYLE3 | 14301 N 87TH ST STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $259 | — | $259 | 0.09% |
| WILLIAM M LOFTUS3 | 3906 ROYAL FOX DR ST CHARLES, IL 60174 | AFLAC | $258 | — | $258 | 0.09% |
| JAMES N KINDLON3 | 515 COMMANCHE LN CAROL STREAM, IL 60188 | AFLAC | $209 | — | $209 | 0.07% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $204 | — | $204 | 0.07% |
| GARY A SPANRAFT3 | 58 GREENHEDGE CIR DELAWARE, OH 43015 | AFLAC | $193 | — | $193 | 0.07% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $159 | $26 | $185 | 0.06% |
| 22 INSURANCE GROUP INC3 | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | AFLAC | $167 | — | $167 | 0.06% |
| CARLOS GARCIA3 | 1034 N KINGSLEY DR APT 11 LOS ANGELES, CA 90029 | AFLAC | $148 | — | $148 | 0.05% |
| CLAUDIA VINE3 | 17729 SUPERIOR ST UNIT 58 NORTHRIDGE, CA 91325 | AFLAC | $148 | — | $148 | 0.05% |
| NICHOLAS D NAVARROLI3 | 601 NEWPORT WESTMONT, IL 60559 | AFLAC | $146 | — | $146 | 0.05% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT STE 205 ZIONSVILLE, IN 46077 | AFLAC | $136 | — | $136 | 0.05% |
| JEFFREY MENARD3 Filed as: JEFFREY J MENARD | 2105 BENT TREE DR GENEVA, IL 60134 | AFLAC | $117 | — | $117 | 0.04% |
| SUMMER L CAIN3 | 1700 N FARNSWORTH AVE STE 25 AURORA, IL 60505 | AFLAC | $111 | — | $111 | 0.04% |
| LUZ CASTILLO BARRIGA3 Filed as: LUZ C BARRIGA | 22019 JUAN AVE HAWAIIAN GARDENDS, CA 90716 | AFLAC | $101 | — | $101 | 0.03% |
| RYAN KADAVY3 | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $90 | — | $90 | 0.03% |
| TOMMY L JOHNSON JR3 | 11620 WILSHIRE BLVD STE 210 LOS ANGELES, CA 90025 | AFLAC | $76 | — | $76 | 0.03% |
| DEBORAH A GUILBEAULT3 | 120 VALLEY VIEW DR ALGONQUIN, IL 60102 | AFLAC | $65 | $8 | $73 | 0.03% |
| FRANK BORGES3 | 930 ELM ST PARK RIDGE, IL 60068 | AFLAC | $71 | — | $71 | 0.02% |
| ELIZABETH A LENZO3 | 1840 VIA DEL REY SOUTH PASADENA, CA 91030 | AFLAC | $64 | — | $64 | 0.02% |
| BRITTON JOHNSON3 Filed as: BRITTON L JOHNSON | 1069 W BROAD ST STE 153 FALLS CHURCH, VA 22046 | AFLAC | $63 | — | $63 | 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% |
| TAMMY A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $53 | — | $53 | 0.02% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD STE 1 BYRON, IL 61010 | AFLAC | $52 | — | $52 | 0.02% |
| JODI L DAVIS3 | 701 E MAIN ST SOUTH ELGIN, IL 60177 | AFLAC | $48 | — | $48 | 0.02% |
| RICHARD A FEARE & ASSOCIATES3 | 800 S NORTHWEST HIGHWAY STE 202C BARRINGTON, IL 60010 | AFLAC | $47 | — | $47 | 0.02% |
| DANIEL E ELLIS3 Filed as: DANIEL ELLIS | 317 MARKET ST ROCKFORD, IL 61107 | AFLAC | $44 | — | $44 | 0.02% |
| CHRISTINE A HAUK3 Filed as: CHRISTINE HAUK | 2100 S COTTONWOOD DR TEMPE, AZ 85282 | AFLAC | $38 | — | $38 | 0.01% |
| KATHLEEN WARE3 | 214 GLEN ELLYN RD APT 101 BLOOMINGDALE, IL 60108 | AFLAC | $37 | — | $37 | 0.01% |
| MICHELLE C. LEE3 Filed as: MICHELLE LEE | 1044 LOMA LISA LN ARCADIA, CA 91006 | AFLAC | $31 | — | $31 | 0.01% |
| ROBERT CZERWINSKI3 Filed as: ROBERT L CZERWINSKI | 3512 STONE CREEK JOLIET, IL 60435 | AFLAC | $30 | — | $30 | 0.01% |
| KHACHATOUR MANOUKIAN3 Filed as: KHACHATOUR CHRIS MANOUKIAN | 221 N BELMONT STREET 7 GLENDALE, CA 91206 | AFLAC | $25 | — | $25 | 0.01% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $25 | — | $25 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $25 | — | $25 | 0.01% |
| STEVE HATHORN3 | 4N960 MIDDLECREEK LANE SAINT CHARLES, IL 60175 | AFLAC | $22 | — | $22 | 0.01% |
| GREGORY SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $22 | — | $22 | 0.01% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $21 | — | $21 | 0.01% |
| KENNETH J HOFFMAN3 | N65 W13544 COBBLESTONE CT MENOMONEE FALLS, WI 53051 | AFLAC | $21 | — | $21 | 0.01% |
| DEBORAH G SEED3 | 638 N GENESEE ST WAUKEGAN, IL 60085 | AFLAC | $21 | — | $21 | 0.01% |
| SAM TOURLOUKIS3 | 9433 HARDING AVE EVANSTON, IL 60203 | AFLAC | $20 | — | $20 | 0.01% |
| BRUCE S RAKOSNIK3 | 1011 E TAYLOR ST DEKALB, IL 60115 | AFLAC | $18 | — | $18 | 0.01% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | 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 | 50 HURT PLZ SE STE 995 ATLANTA, CO 30303 | 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 | 0.00% |
| SARAH CHIESA3 | 7838 W RASCHER AVE CHICAGO, IL 60656 | AFLAC | $13 | — | $13 | 0.00% |
| MICHELE M BRIGHT3 | 9217 S IL ROUTE 31 LK IN THE HLS, ID 60156 | AFLAC | $10 | $2 | $12 | 0.00% |
| RONALD E HAERLE3 | 4119 CORNFLOWER RD POPLAR GROVE, IL 61065 | AFLAC | $12 | — | $12 | 0.00% |
| CHRISTOPHER SIMONS3 | 225 SOUTH ROHLWING RD UNIT 214 PALATINE, IL 60067 | AFLAC | $10 | — | $10 | 0.00% |
| JOHANNA PETRONEL LACHENICHT3 Filed as: JOHANNA LACHENICHT | 24452 W BLVD DEJOHN NAPERVILLE, IL 60564 | AFLAC | $10 | — | $10 | 0.00% |
| BRIAN D TOURO3 Filed as: BRIAN TOURO | 391 BRITTANY CT APT H GENEVA, IL 60134 | AFLAC | $10 | — | $10 | 0.00% |
| ADAM ORTIZ3 | 300 N STATE ST APT 2130 CHICAGO, IL 60654 | 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 | 875 FEINBERG CT STE 103 CARY, IL 60013 | 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% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $5 | $2 | $7 | 0.00% |
| TODD DEVOSS3 | 321 N CLARK ST SUITE 625 CHICAGO, IL 60654 | AFLAC | $6 | — | $6 | 0.00% |
| ADAM H MICHAELS3 | 12121 WILSHIRE BLVD STE 1225 LOS ANGELES, CA 90025 | AFLAC | $5 | — | $5 | 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% |
| KNUTE NELSON3 | 5650 W 36TH ST STE 425 STE 203 ST LOUIS PARK, MN 55416 | 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% |
| DANIEL TAYLOR3 | 2170 N LAKE DRIVE APT 6032 COLUMBIA, SC 29212 | AFLAC | $4 | — | $4 | 0.00% |
| RICK A SHIMMINS3 | 2007 16TH AVENUE ROCKFORD, IL 61104 | AFLAC | $3 | — | $3 | 0.00% |
| MIKE YURCZYK3 | 5810 W 78TH STE 210 STE 1500 EDINA, MN 55439 | AFLAC | $3 | — | $3 | 0.00% |
| SHAWN HOLTORF3 | 6234 WEST DEHREND DR APT 1135 GLENDALE, AZ 85308 | AFLAC | $3 | — | $3 | 0.00% |
| KEMP G PILE3 Filed as: KEMP PILE | 1313 ADAMS WAY DEKALB, IL 60115 | AFLAC | $3 | — | $3 | 0.00% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $2 | — | $2 | 0.00% |
| TERRANCE M LUCZAJ3 | 255 E RINCON STREET SUITE 110 CORONA, CA 92879 | AFLAC | $2 | — | $2 | 0.00% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DRIVE SHOREWOOD, IL 60404 | AFLAC | $2 | — | $2 | 0.00% |
| MARC D BARNES3 Filed as: MARC BARNES | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $2 | — | $2 | 0.00% |
| VANESSA ANITA MILLER3 Filed as: VANESSA MILLER | 2039 32ND DR SW LANETT, AL 36863 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES BOOTHBY3 | 1205 EMERALD DRIVE NAPERVILLE, IL 60540 | AFLAC | $2 | — | $2 | 0.00% |
| LISA QUISENBERRY3 | 929 BOX ELDER DR KIRKWOOD, MO 63122 | AFLAC | $2 | — | $2 | 0.00% |
| ALEX L. PEREZ3 Filed as: ALEX PEREZ | 4169 MONTEREY AVE BALDWIN PARK, CA 91706 | AFLAC | $2 | — | $2 | 0.00% |
| BARBARA ANN MCNAUGHTON3 Filed as: BARBARA MCNAUGHTON | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 14301 N 87TH ST STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.00% |
| JOY E GUNDERSON3 Filed as: JOY GUNDERSON | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINE L BREWSTER3 Filed as: CHRISTINE BREWSTER | 1312 FARLEY LN CHAMPAIGN, IL 61822 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH NASCA | 28061 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $1 | — | $1 | 0.00% |
| JACQUELINE CASTRO3 | 100 WALL ST FL 28 NEW YORK, NY 10005 | AFLAC | $1 | — | $1 | 0.00% |
| TOMMY C FLEESON3 Filed as: TOMMY FLEESON | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32250 | AFLAC | $1 | — | $1 | 0.00% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 8545 SW 86TH TER OCALA, FL 34481 | AFLAC | $1 | — | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHICAGO, IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $9K | — | $9K | 11.29% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHICAGO, IL | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | EYEMED VISION CARE | $2K | — | $2K | 2.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING DBA HEWITT ASSOC. | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | EYEMED VISION CARE | $660 | — | $660 | 0.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHICAGO, IL | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $136 | — | $136 | 29.06% |
| AON CONSULTING INC3 Filed as: AON HEWITT - CHICAGO, IL | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | EYEMED VISION CARE | $11 | — | $11 | 2.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING DBA HEWITT ASSOC. | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | EYEMED VISION CARE | $3 | — | $3 | 0.64% |
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 | 3,358 | 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) | 3,358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,962 | $613K |
| Vision(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 1,962 | $691K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 522 | $326K |
| Long-term disability | AFLAC | 522 | $291K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 455 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,962 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.