| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: HORTON INSURANCE AGENCY INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NORTH ILLINOIS | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | AFLAC | $20K | — | $20K | 6.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NORTH IL | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | AFLAC | $10K | — | $10K | 3.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ILLINOIS INC. | 263 SHUMAN BOULEVARD SUITE 110 NAPERVILLE, IL 60563 | AFLAC | $9K | — | $9K | 2.96% |
| JEFFREY LYNN LAMBERT3 | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $2K | $435 | $3K | 0.96% |
| JOSHUA J JOHNSON3 | 1209 WEST SHERWIN AVENUE CHICAGO, IL 60626 | AFLAC | $3K | — | $3K | 0.88% |
| WESTERMAYER AND ASSOCIATES LLC3 | 2164 AYLESPORT DRIVE DALLAS, TX 75001 | AFLAC | $2K | $4 | $2K | 0.78% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $2K | $2 | $2K | 0.65% |
| RICHELLE M VOITIK3 | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | AFLAC | $103 | $1K | $1K | 0.44% |
| JEREMY M SKEETERS3 | 6634 WEST ROY ROGERS ROAD PHOENIX, AZ 85083 | AFLAC | $678 | — | $678 | 0.23% |
| CHRISTINE L BREWSTER3 | 1312 FARLEY LANE CHAMPAIGN, IL 61822 | AFLAC | $426 | — | $426 | 0.14% |
| JESSICA M KNEPLER3 | 1548 BLUESTEM LANE MINOOKA, IL 60447 | AFLAC | $345 | — | $345 | 0.12% |
| JOHN F SCULLY3 | 3500 BANKVIEW DRIVE JOLIET, IL 60431 | AFLAC | $306 | — | $306 | 0.10% |
| GARY W WARE JR3 | 2306 VALLEYBROOK DRIVE CHAMPAIGN, IL 61822 | AFLAC | $287 | — | $287 | 0.10% |
| KELLEY STRAUGHAN3 | 1005 HIDDEN BRANCHES TRAIL CANTON, GA 30115 | AFLAC | $272 | — | $272 | 0.09% |
| VICKI L CIGER3 | 4020 OAK TREE LANE PLAINFIELD, IL 60586 | AFLAC | $268 | — | $268 | 0.09% |
| JAMES CAPPEL3 | 926 CARRIE AVENUE ROCHELLE, IL 61068 | AFLAC | $217 | — | $217 | 0.07% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $179 | — | $179 | 0.06% |
| KENT HORSMAN3 | 14162 LADUE ROAD CHESTERFIELD, MO 63017 | AFLAC | $168 | — | $168 | 0.06% |
| MARCIN ZUREK3 | 1010 LAKE STREET SUITE 430 OAK PARK, IL 60301 | AFLAC | $100 | $18 | $118 | 0.04% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $109 | — | $109 | 0.04% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVENUE HENDERSON, NV 89052 | AFLAC | $105 | — | $105 | 0.04% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $98 | — | $98 | 0.03% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $84 | — | $84 | 0.03% |
| KATHLEEN L PLEGER3 | 440 DU PAHZE STREET NAPERVILLE, IL 60565 | AFLAC | $81 | — | $81 | 0.03% |
| DANIEL E ELLIS3 | 377 EAST BUTTERFIELD ROAD SUITE 210 LOMBARD, IL 60148 | AFLAC | $65 | $14 | $79 | 0.03% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $60 | — | $60 | 0.02% |
| MARK I SHIFMAN3 | 6517 DENNY AVENUE NORTH HOLLYWOOD, CA 91606 | AFLAC | $59 | — | $59 | 0.02% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $59 | — | $59 | 0.02% |
| VICKI LYNN TOMLINSON3 | 1603 TAYLOR MILL COURT KATY, TX 77494 | AFLAC | $56 | — | $56 | 0.02% |
| ANGELA R SCHIEK3 | 953 WILLOW LANE SLEEPY HOLLOW, IL 60118 | AFLAC | $51 | $4 | $55 | 0.02% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $46 | — | $46 | 0.02% |
| MARY HANNIG3 | 725 STRAFFORD RIDGE DRIVE BALLWIN, MO 63021 | AFLAC | $45 | — | $45 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD SUITE 1400A CHICAGO, IL 60604 | AFLAC | $37 | — | $37 | 0.01% |
| JAMES M BROCK3 | 1501 SANDBAR DRIVE MARION, IL 62959 | AFLAC | $33 | — | $33 | 0.01% |
| JOHN MANNER INSURANCE AGENCY INC.3 Filed as: JOHN S ANNIS | 1616 TAYLOR STREET JOLIET, IL 60435 | AFLAC | $31 | — | $31 | 0.01% |
| H J SAMAAN INC3 Filed as: H J SAMAAN INC. | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $24 | — | $24 | 0.01% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $20 | — | $20 | 0.01% |
| LISA MARIE QUISENBERRY3 | 638 EVANS AVENUE SAINT LOUIS, MO 63122 | AFLAC | $19 | — | $19 | 0.01% |
| OKSAN K PILAFAS3 | 838 SOUTH VILLA AVENUE VILLA PARK, IL 60181 | AFLAC | $19 | — | $19 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $19 | — | $19 | 0.01% |
| 22 INSURANCE GROUP INC3 Filed as: 22 INSURANCE GROUP INC. | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | AFLAC | $17 | — | $17 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $14 | — | $14 | 0.00% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DRIVE BLOOMINGDALE, IL 60108 | AFLAC | $13 | — | $13 | 0.00% |
| CHARLES L GRAY3 | 3122 MARIAS DRIVE FORT WAYNE, IN 46815 | AFLAC | $13 | — | $13 | 0.00% |
| PEGGY A THOMAS3 Filed as: PEGGY THOMAS | 2345 FAIRCHILD LANE WEST CHICAGO, IL 60185 | AFLAC | $13 | — | $13 | 0.00% |
| KNUTE NELSON3 | 3920 KIPLING AVENUE MINNEAPOLIS, MN 55416 | AFLAC | $12 | — | $12 | 0.00% |
| SCOTT A HOWARD3 | 1491 GINGER LANE SUITE 6 NEW LENOX, IL 60451 | AFLAC | $12 | — | $12 | 0.00% |
| BRIAN R KIMMEL3 | 309 BRAESWICK DRIVE LAKE SAINT LOUIS, MO 63367 | AFLAC | $11 | — | $11 | 0.00% |
| CURTIS WHEAT3 Filed as: CURTIS H WHEAT | 507 HORSESHOE LANE CASEY, IL 62420 | AFLAC | $10 | — | $10 | 0.00% |
| JOSHUA J PARISE3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | AFLAC | $9 | — | $9 | 0.00% |
| SCOTT A HOWARD3 | 1491 GINGER LANE SUITE 6 NEW LENOX, IL 60451 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN H VRATSINAS3 | 2821 NORTH OCEAN BOULEVARD APARTMENT 305 FORT LAUDERDALE, FL 33308 | AFLAC | $6 | — | $6 | 0.00% |
| JOHN H VRATSINAS3 | 401 NORTH BIRCH ROAD UNIT 1112 FORT LAUDERDALE, FL 33304 | AFLAC | $6 | — | $6 | 0.00% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $5 | — | $5 | 0.00% |
| JEANNINE CAPPUSO3 Filed as: JEANNINE MARIE CAPPUSO | 7801 NORTH FEDERAL HIGHWAY BUILDING 4-202 BOCA RATON, FL 33487 | AFLAC | $5 | — | $5 | 0.00% |
| JEANNINE CAPPUSO3 | 7801 NORTH FEDERAL HIGHWAY BUILDING 4-202 BOCA RATON, FL 33487 | AFLAC | $3 | — | $3 | 0.00% |
| LORI WARE3 | 2306 VALLEYBROOK DRIVE CHAMPAIGN, IL 61822 | AFLAC | $3 | — | $3 | 0.00% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $3 | — | $3 | 0.00% |
| CHRISTIE MARZARI3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2 | — | $2 | 0.00% |
| GEORGE P OWENS3 | 653 NORTH ANTLER DRIVE MOUNT ZION, IL 62549 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH M GASPAROVIC3 | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $2 | — | $2 | 0.00% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTIAN WOMACK3 Filed as: CHRISTIAN A WOMACK | 32960 NORTH THREE OAKS LANE LIBERTYVILLE, IL 60048 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| ADRIENNE SHOEMAKER3 Filed as: ADRIENNE L SHOEMAKER | 1501 EAST GRAND AVENUE SAINT JOSEPH, IL 61873 | AFLAC | $1 | — | $1 | 0.00% |
| JUDY PALS3 Filed as: JUDY K PALS | 210 NORTH OAK STREET P.O. BOX 432 TEUTOPOLIS, IL 62467 | AFLAC | $1 | — | $1 | 0.00% |
| STACIE L COOK3 | 448 CHERRY HILLS DRIVE CHESTERTON, IN 46304 | AFLAC | $1 | — | $1 | 0.00% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675695 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $820 | $820 | 1.47% |
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 | 511 | 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) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 483 | $2.7M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 483 | $2.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 413 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 511 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 511 | $56K |
| Other(2 contracts, 2 carriers) | AFLAC | 511 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.