| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NORTH ILLINOIS | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | AFLAC | $49K | — | $49K | 15.94% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $7K | $346 | $7K | 2.28% |
| JEFF LAMBERT3 | 15419 WEST 127TH STREET LEMONT, IL 60439 | AFLAC | $6K | $343 | $6K | 1.96% |
| RICHELLE M VOITIK3 | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | AFLAC | $132 | $2K | $2K | 0.60% |
| JEREMY M SKEETERS3 | 23645 NORTH 55TH STREET GLENDALE, AZ 85310 | AFLAC | $967 | — | $967 | 0.32% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $536 | $336 | $872 | 0.29% |
| CHRISTINE L BREWSTER3 | 2025 MAINE STREET QUINCY, IL 62301 | AFLAC | $545 | — | $545 | 0.18% |
| JOHN F SCULLY3 | 3500 BANKVIEW DRIVE JOLIET, IL 60431 | AFLAC | $480 | — | $480 | 0.16% |
| GARY W WARE JR3 | 2306 VALLEYBROOK DRIVE CHAMPAIGN, IL 61822 | AFLAC | $409 | — | $409 | 0.13% |
| KELLEY STRAUGHAN3 | 1005 HIDDEN BRANCHES TRAIL CANTON, GA 30115 | AFLAC | $391 | — | $391 | 0.13% |
| JAMES CAPPEL3 | 24346 SOUTH DUPAGE DRIVE CHANNAHON, IL 60410 | AFLAC | $325 | — | $325 | 0.11% |
| KENT HORSMAN3 | 14162 LADUE ROAD CHESTERFIELD, MO 63017 | AFLAC | $276 | — | $276 | 0.09% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $273 | — | $273 | 0.09% |
| WILLIAM B KRZCIOK3 | 2750 FORT MEYER AVENUE HENDERSON, NV 89052 | AFLAC | $146 | — | $146 | 0.05% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $131 | — | $131 | 0.04% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $123 | — | $123 | 0.04% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $122 | — | $122 | 0.04% |
| KATHLEEN L PLEGER3 | 5320 WHISPERING OAKS DRIVE PLAINFIELD, IL 60586 | AFLAC | $87 | — | $87 | 0.03% |
| VICKY LYNN TOMLINSON3 | 9125 CHILLICOTHE ROAD UNIT 6 KIRTLAND, OH 44094 | AFLAC | $78 | — | $78 | 0.03% |
| MARK SHIFMAN3 | 6517 DENNY AVENUE NORTH HOLLYWOOD, CA 91606 | AFLAC | $66 | — | $66 | 0.02% |
| MARY HANNIG3 | 725 STRAFFORD RIDGE DRIVE BALLWIN, MO 63021 | AFLAC | $63 | — | $63 | 0.02% |
| FOREST FINANCIAL GROUP INC3 Filed as: FOREST FINANCIAL GROUP INC. | 580 NORTH BANK LANE SUITE 101 LAKE FOREST, IL 60045 | AFLAC | $40 | — | $40 | 0.01% |
| SCOTT A HOWARD3 | 1491 GINGER LANE SUITE 6 NEW LENOX, IL 60451 | AFLAC | $37 | — | $37 | 0.01% |
| JOHN MANNER INSURANCE AGENCY INC.3 Filed as: JOHN S ANNIS | 1616 TAYLOR STREET JOLIET, IL 60435 | AFLAC | $35 | — | $35 | 0.01% |
| CHARLES L GRAY3 | 110 DAVENTRY LANE SUITE 100 LOUISVILLE, KY 40223 | AFLAC | $21 | — | $21 | 0.01% |
| 22 INSURANCE GROUP INC3 Filed as: 22 INSURANCE GROUP INC. | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | AFLAC | $18 | — | $18 | 0.01% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DRIVE BLOOMINGDALE, IL 60108 | AFLAC | $18 | — | $18 | 0.01% |
| JESSICA M KNEPLER3 | 1548 BLUESTEM LANE MINOOKA, IL 60447 | AFLAC | $6 | $11 | $17 | 0.01% |
| DEAN W CASS INC.3 | P.O. BOX 2159 JOLIET, IL 60434 | AFLAC | $14 | — | $14 | 0.00% |
| JOSEPH MELFI3 Filed as: JOSEPH A MELFI | 1236 WALNUT GLEN DRIVE CRYSTAL LAKE, IL 60014 | AFLAC | $14 | — | $14 | 0.00% |
| CURTIS WHEAT3 Filed as: CURTIS H WHEAT | 11145 NORTH FRIENDSHIP ROAD MARTINSVILLE, IL 62442 | AFLAC | $11 | — | $11 | 0.00% |
| HERNY J SAMAAN3 | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $9 | — | $9 | 0.00% |
| JEANNINE CAPPUSO3 | 10308 PALERMO CIRCLE APARTMENT 203 TAMPA, FL 33619 | AFLAC | $9 | — | $9 | 0.00% |
| ROSALYN C SYLVESTER3 | 5965 HIGHWAY 18 W SUITE 307 JACKSON, MS 39209 | AFLAC | $9 | — | $9 | 0.00% |
| JOSHUA J PARISE3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | AFLAC | $9 | — | $9 | 0.00% |
| JOSHUA WOLF3 | 3913 BARTWOOD ROAD BALTIMORE, MD 21215 | AFLAC | $8 | — | $8 | 0.00% |
| DENIS E DIETLIN3 | 2164 FESCUE DRIVE AURORA, IL 60504 | AFLAC | $7 | — | $7 | 0.00% |
| CHRISTINE M MARZARI3 Filed as: CHRISTINE ANDRE LEVERN | 109 MILLCREEK CORNERS SUITE D BRANDON, MS 39047 | AFLAC | $6 | — | $6 | 0.00% |
| JOSHUA M PINCUS SOKOLOFF3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21706 | AFLAC | $6 | — | $6 | 0.00% |
| JAMIE A CONTRERAS-VESTAL3 | P.O. BOX 1240 DELAND, FL 32721 | AFLAC | $6 | — | $6 | 0.00% |
| GLEN E TWAITS3 | 2006 DOUBLE EAGLE DRIVE MISSION, TX 78572 | AFLAC | $5 | — | $5 | 0.00% |
| SCOTT M NATHAN3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21706 | AFLAC | $4 | — | $4 | 0.00% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT SECOND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $4 | — | $4 | 0.00% |
| AON CONSULTING INC3 Filed as: C HEWITT INC. | 309 NEW POINTE SUITE B RIDGELAND, MS 39157 | AFLAC | $3 | — | $3 | 0.00% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $3 | — | $3 | 0.00% |
| BRUCE A GORDON3 | 3513 OAK DRIVE EDGEWATER, MD 21037 | AFLAC | $3 | — | $3 | 0.00% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $3 | — | $3 | 0.00% |
| CORINNE WHIDDEN3 | 12510 PLEASANT VALLEY ROAD SMITHSBURG, MD 21783 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT M NATHAN3 | 817 MAIDEN CHOICE LANE SUITE 340 BALTIMORE, MD 21228 | AFLAC | $1 | — | $1 | 0.00% |
| D AND V BUTLER INC3 Filed as: D AND V BUTLER INC. | 601 CRESCENT BOULEVARD SUITE 102 RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.00% |
| STACIE L COOK3 | 448 CHERRY HILLS DRIVE CHESTERTON, IN 46304 | 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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 384 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.