| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | WARRENVILLE IL 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | -$2 | $3K | 0.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 333 W WACKER DR STE 1200 CHICAGO, IL 60606 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $454 | $454 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.01% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.87% |
| DIGITAL INSURANCE LLC3 | BDA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.98% |
| DIGITAL INSURANCE LLC3 | DBA NORTHWESTERN BENEFIT CORP OF GA 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.23% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $196 | $0 | $196 | 2.91% |
| MONICA B SMITH3 | 8760 WINDWOOD CLOSE ROCKFORD, IL 61108 | AFLAC | $139 | $0 | $139 | 2.06% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $78 | $0 | $78 | 1.16% |
| DEBORAH L CAIN3 | 8617 GLENMORE DR LAS VEGAS, NV 89134 | AFLAC | $62 | $0 | $62 | 0.92% |
| RUSSELL NOWAK3 | 8009 VALLEY DR PALOS HILLS, IL 60465 | AFLAC | $46 | $0 | $46 | 0.68% |
| ACRISURE LLC3 | PO BOX 561567 MIAMI, FL 33256 | AFLAC | $39 | $0 | $39 | 0.58% |
| MICHAEL ROBERT YURCZYK3 | 9616 WYOMING TER S BLOOMINGTON, MN 55438 | AFLAC | $30 | $0 | $30 | 0.45% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSRUANCE SERVICES INC | 321 N CLARK ST CHICAGO, IL 60654 | AFLAC | $30 | $0 | $30 | 0.45% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $29 | $0 | $29 | 0.43% |
| ARMANDO J CARDENAS3 | 4320 CRAWFORD DR APT 1 ROCKFORD, IL 61114 | AFLAC | $13 | $0 | $13 | 0.19% |
| GREGORY J SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $9 | $0 | $9 | 0.13% |
| WAYNE R BALL3 | 1450 LENHART RD SPRINGFIELD, IL 62711 | AFLAC | $8 | $0 | $8 | 0.12% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $7 | $0 | $7 | 0.10% |
| ROLANDO DARIO RICCIO3 | 550 SE MIZNER BLVD APT 709B BOCA RATON, FL 33432 | AFLAC | $6 | $0 | $6 | 0.09% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $5 | $0 | $5 | 0.07% |
| ANTHONY ROJAS3 | 3211 NW 123RD TER FORT LAUDERDALE, FL 33323 | AFLAC | $3 | $0 | $3 | 0.04% |
| KATTY W COHEN3 | 21711 N OCEAN BLVD APT 305 BOCA RATON, FL 33433 | AFLAC | $3 | $0 | $3 | 0.04% |
| JOHN H VRATSINAS3 | 2821 N OCEAN BLVD APT 305 FT LAUDERDALE, FL 33308 | AFLAC | $3 | $0 | $3 | 0.04% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $2 | $0 | $2 | 0.03% |
| JOHN H VRATSINAS3 | 401 N BIRCH RD UNIT 1112 FT LAUDERDALE, FL 33304 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 506 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 503 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 522 | $122K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 503 | $2.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $45K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $52K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $35K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.