| 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 | $43K | — | $43K | 14.84% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $6K | $417 | $7K | 2.29% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $5K | $417 | $6K | 1.95% |
| RICHELLE M VOITIK3 Filed as: RICHELLE VOITIK | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | AFLAC | $207 | $2K | $2K | 0.79% |
| VICKI L CIGER3 Filed as: VICKI CIGER | 4020 OAK TREE LANE PLAINFIELD, IL 60586 | AFLAC | $1K | — | $1K | 0.43% |
| JEREMY M SKEETERS3 Filed as: JEREMY SKEETERS | 9830 WEST JJ RANCH ROAD PEORIA, AZ 85383 | AFLAC | $765 | — | $765 | 0.26% |
| CHRISTINE L BREWSTER3 Filed as: CHRISTINE BREWSTER | 1312 FARLEY LANE CHAMPAIGN, IL 61822 | AFLAC | $422 | — | $422 | 0.14% |
| JOHN F SCULLY3 Filed as: JOHN SCULLY | 3500 BANKVIEW DRIVE JOLIET, IL 60431 | AFLAC | $383 | — | $383 | 0.13% |
| GARY W WARE JR3 Filed as: GARY WARE JR | 2306 VALLEYBROOK DRIVE CHAMPAIGN, IL 61822 | AFLAC | $325 | — | $325 | 0.11% |
| KELLEY STRAUGHAN3 | 1005 HIDDEN BRANCHES TRAIL CANTON, GA 30115 | AFLAC | $310 | — | $310 | 0.11% |
| JAMES CAPPEL3 | 928 CARRIE AVENUE ROCHELLE, IL 61068 | AFLAC | $263 | — | $263 | 0.09% |
| KENT HORSMAN3 | 14162 LADUE ROAD CHESTERFIELD, MO 63017 | AFLAC | $226 | — | $226 | 0.08% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $217 | — | $217 | 0.07% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $145 | — | $145 | 0.05% |
| DIANN KRZCIOK3 | 2682 GRAND FORKS ROAD HENDERSON, NV 89052 | AFLAC | $115 | — | $115 | 0.04% |
| ELAINE A WRINKLE3 Filed as: ELAINE WRINKLE | 404 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $102 | — | $102 | 0.03% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $95 | — | $95 | 0.03% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY ASHBY | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $86 | — | $86 | 0.03% |
| KATHLEEN L PLEGER3 Filed as: KATHLEEN PLEGER | 5320 WHISPERING OAKS DRIVE PLAINFIELD, IL 60586 | AFLAC | $74 | — | $74 | 0.03% |
| VICKI TOMLINSON3 | 9125 CHILLICOTHE ROAD UNIT 6 KIRTLAND, OH 44094 | AFLAC | $66 | — | $66 | 0.02% |
| MARK SHIFMAN3 | 6517 DENNY AVENUE NORTH HOLLYWOOD, CA 91606 | AFLAC | $55 | — | $55 | 0.02% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 11177 JASMINE DRIVE ROSCOE, IL 61073 | AFLAC | $54 | — | $54 | 0.02% |
| JOSEPH LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $54 | — | $54 | 0.02% |
| MARY HANNIG3 | 725 STRAFFORD RIDGE DRIVE BALLWIN, MO 63021 | AFLAC | $44 | — | $44 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | AFLAC | $34 | — | $34 | 0.01% |
| JAMES M BROCK3 Filed as: JAMES BROCK | 301 WEST BROADWAY BOULEVARD JOHNSTON CITY, IL 62951 | AFLAC | $33 | — | $33 | 0.01% |
| JOHN MANNER INSURANCE AGENCY INC.3 Filed as: JOHN ANNIS | 1616 TAYLOR STREET JOLIET, IL 60435 | AFLAC | $30 | — | $30 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH NASCA | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $24 | — | $24 | 0.01% |
| SCOTT A HOWARD3 Filed as: SCOTT HOWARD | 1491 GINGER LANE SUITE 6 NEW LENOX, IL 60451 | AFLAC | $22 | — | $22 | 0.01% |
| LISA QUISENBERRY3 | 929 BOX ELDER DRIVE KIRKWOOD, MO 63122 | AFLAC | $21 | — | $21 | 0.01% |
| THERESA REDDING3 | 71 COUNTRY CLUB DRIVE BLOOMINGDALE, IL 60108 | AFLAC | $18 | — | $18 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $17 | — | $17 | 0.01% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60854 | AFLAC | $17 | — | $17 | 0.01% |
| 22 INSURANCE GROUP INC3 Filed as: 22 INSURANCE GROUP INC. | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60424 | AFLAC | $16 | — | $16 | 0.01% |
| HENRY J SAMAAN3 Filed as: HENRY SAMAAN | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $14 | — | $14 | 0.00% |
| CHARLES D. BLOCK3 Filed as: CHARLES GRAY | 3122 MARIAS DRIVE FORT WAYNE, IN 46815 | AFLAC | $14 | — | $14 | 0.00% |
| JOSEPH MELFI3 | 1236 WALNUT GLEN DRIVE CRYSTAL LAKE, IL 60014 | AFLAC | $12 | — | $12 | 0.00% |
| DEAN W CASS INC.3 Filed as: DEAN W. CASS INC. | P.O. BOX 2159 JOLIET, IL 60434 | AFLAC | $12 | — | $12 | 0.00% |
| KNUTE NELSON3 | 3920 KIPLING AVENUE MINNEAPOLIS, MN 55416 | AFLAC | $12 | — | $12 | 0.00% |
| DENNIE DIETLIN3 | 23709 SPRINGS COURT UNIT 120 PLAINFIELD, IL 60585 | AFLAC | $11 | — | $11 | 0.00% |
| BRIAN R KIMMEL3 Filed as: BRIAN KIMMEL | 309 BRAESWICK DRIVE LAKE ST. LOUIS, MO 63367 | AFLAC | $10 | — | $10 | 0.00% |
| CURTIS WHEAT3 | 207 HORSESHOE LANE CASEY, IL 62420 | AFLAC | $10 | — | $10 | 0.00% |
| GLEN E TWAITS3 Filed as: GLEN TWAITS | 2006 DOUBLE EAGLE DRIVE MISSION, TX 78572 | AFLAC | $8 | — | $8 | 0.00% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVENUE WOODRIDGE, IL 60517 | AFLAC | $8 | — | $8 | 0.00% |
| JEANNINE CAPPUSO3 | 6421 CONGRESS AVENUE SUITE 100 BOCA RATON, FL 33487 | AFLAC | $7 | — | $7 | 0.00% |
| ROSALYN C SYLVESTER3 Filed as: ROSALYN SYLVESTER | 5965 HIGHWAY 18 WEST SUITE 307 JACKSON, MS 39209 | AFLAC | $6 | — | $6 | 0.00% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $6 | — | $6 | 0.00% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE CONTRERAS-VESTAL | P.O. BOX 1240 DELAND, FL 32721 | AFLAC | $5 | — | $5 | 0.00% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 109 MILLCREEK CORS SUITE D BRANDON, MS 39047 | AFLAC | $4 | — | $4 | 0.00% |
| TERRY SILVERS3 | 109 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $3 | — | $3 | 0.00% |
| JACQUELINE CASTRO3 | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 WEST RUE JAMES PLACE PALATINE, IL 60067 | AFLAC | $2 | — | $2 | 0.00% |
| GEORGE P OWENS3 Filed as: GEORGE OWENS | 653 NORTH ANTLER DRIVE MT. ZION, IL 62549 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTIE MARZARI3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.00% |
| AON CONSULTING INC3 Filed as: C HEWITT INC. | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.00% |
| LORI WARE3 | 2306 VALLEYBROOK DRIVE CHAMPAIGN, IL 61822 | AFLAC | $2 | — | $2 | 0.00% |
| STACIE L COOK3 Filed as: STACIE COOK | 448 CHERRY HILLS DRIVE CHESTERTON, IN 46304 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTIAN WOMACK3 | 32960 NORTH THREE OAKS LANE LIBERTYVILLE, IL 60048 | 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% |
| ADRIENNE SHOEMAKER3 | 1501 EAST GRAND AVENUE SAINT JOSEPH, IL 61873 | AFLAC | $1 | — | $1 | 0.00% |
| JUDY PALS3 | 210 NORTH OAK P.O. BOX 432 TEUTOPOLIS, IL 62467 | 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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 365 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.