| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC. | 3000 LAKESIDE DR SUITE 200S BANNOCKBURN, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $33K | $2K | $34K | 4.24% |
| INSURANCE BENEFIT ADVISORS3 Filed as: INSURANCE BENEFIT ADVISORS LLC | 6950 S TURQUOISE PL CHANDLER, AZ 852497232 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 4.75% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 4.52% |
| ARIZONA AUTO DEALERS ASSN SERVICES4 | P.O. BOX 32717 PHOENIX, AZ 85064 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 1.74% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | ALLSTATE BENEFITS | $19K | — | $19K | 43.68% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | ALLSTATE BENEFITS | $7K | — | $7K | 16.69% |
| INSURANCE BENEFIT ADVISORS3 | 6950 SOUTH TURQUOISE PLACE CHANDLER, AZ 85249 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $2K | — | $2K | 6.12% |
| RUTHANNE PETERSON3 | 2516 DURANGO LANE SUITE 204 NAPERVILLE, IL 60564 | AFLAC | $2K | — | $2K | 6.19% |
| SHERRY L LYDEN3 Filed as: SHERRY LYDEN | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $284 | — | $284 | 1.15% |
| GTS INC3 Filed as: GTS INC. | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $243 | — | $243 | 0.99% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E. MARRILL ROAD BYRON, IL 61010 | AFLAC | $129 | — | $129 | 0.52% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $117 | — | $117 | 0.48% |
| DAVID A DECKERT3 Filed as: DAVID DECKERT | 1511 12TH AVENUE BELVIDERE, IL 61008 | AFLAC | $114 | — | $114 | 0.46% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT RD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $104 | — | $104 | 0.42% |
| MARC P TRANSPARENTI3 Filed as: MARC TRANSPARENTI | 24909 MADISON AVE UNIT 1014 MURRIETA, CA 92562 | AFLAC | $79 | — | $79 | 0.32% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3433 VOLTAIRE LANE ST. CHARLES, IL 60175 | AFLAC | $59 | — | $59 | 0.24% |
| ANDREW C KRAUSS3 Filed as: ANDREW KRAUSS | 6441 GARRETT LANE ROCKFORD, IL 61107 | AFLAC | $53 | — | $53 | 0.22% |
| FRANK L LINDSEY3 Filed as: FRANK LINDSEY | S701 RIDGEVIEW NAPERVILLE, IL 60540 | AFLAC | $21 | — | $21 | 0.09% |
| LYNETTE R STEVENS3 Filed as: LYNETTE STEVENS | 490 E. ROOSEVELT RD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $17 | — | $17 | 0.07% |
| RICK A SHIMMINS3 Filed as: RICK SHIMMINS | 2007 16TH AVE ROCKFORD, IL 61104 | AFLAC | $13 | — | $13 | 0.05% |
| BARBIER GROUP INC3 Filed as: BARBIER GROUP INC. | 414 N. ORLEANS STREET SUITE 601 CHICAGO, IL 60654 | AFLAC | $9 | — | $9 | 0.04% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $9 | — | $9 | 0.04% |
| TODD DEVOSS3 | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $6 | — | $6 | 0.02% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY BASBY | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $5 | — | $5 | 0.02% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $4 | — | $4 | 0.02% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $3 | — | $3 | 0.01% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 1840 VIA DEL REY SOUTH PASADENA, CA 91030 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY J SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $1 | — | $1 | 0.00% |
| RUTHANNE PETERSON3 | 2516 DURANGO LANE SUITE 204 NAPERVILLE, IL 60564 | AFLAC | $137 | — | $137 | 3.81% |
| DONNA DUNKER ACKMAN3 | 1090 SOUTH LINCOLN AVE KANKAKEE, IL 60901 | AFLAC | $124 | — | $124 | 3.45% |
| SHERRY L LYDEN3 Filed as: SHERRY LYDEN | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $74 | — | $74 | 2.06% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $36 | — | $36 | 1.00% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 7713 INDEPENDENCE PL CRESTWOOD, KY 40014 | AFLAC | $32 | — | $32 | 0.89% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $21 | — | $21 | 0.58% |
| DENNIS LONGTIN3 | 2833 E. STATE ROUTE 17 KANKAKEE, IL 60901 | AFLAC | $15 | — | $15 | 0.42% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT RD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $13 | — | $13 | 0.36% |
| VICKI TOMLINSON3 | 9125 CHILLICOTHE RD UNIT 6 KIRTLAND, OH 44094 | AFLAC | $12 | — | $12 | 0.33% |
| RAWLYN R ROSS3 Filed as: RAWLYN ROSS | 219 AVONLEA PL JOHNSON CITY, TN 37604 | AFLAC | $2 | — | $2 | 0.06% |
| WILLIAM B KRZCIOK3 Filed as: WILLIAM KRZCIOK | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $2 | — | $2 | 0.06% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | 0.03% |
| LISA MARIE QUISENBERRY3 | 929 BOX ELDERDR KIRKWOOD, MO 63122 | AFLAC | $1 | — | $1 | 0.03% |
| BARBARA POWELL3 | 8 GLENCOE PL DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 4.25% |
| RUTHANNE PETERSON3 | 2516 DURANGO LANE SUITE 204 NAPERVILLE, IL 60564 | AFLAC | $73 | $0 | $73 | 7.01% |
| SHERRY L LYDEN3 Filed as: SHERRY LYDEN | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $39 | — | $39 | 3.75% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $20 | — | $20 | 1.92% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT RD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $10 | — | $10 | 0.96% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $1 | — | $1 | 0.10% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | 0.10% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 134 | $1.6M |
| Dental | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 76 | $39K |
| Life insurance | ALLSTATE BENEFITS | 85 | $43K |
| Short-term disability(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 134 | $128K |
| Long-term disability(5 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 134 | $129K |
| Other(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 134 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.