| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $36K | $2K | $37K | 4.10% |
| INSURANCE BENEFIT ADVISORS3 Filed as: INSURANCE BENEFIT ADVISORS, LLC | 947 E. SCORPIO PLACE CHANDLER, AZ 85249 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 9.23% |
| ARIZONA AUTO DEALERS ASSN SERVICES4 | PO BOX 32717 PHOENIX, AZ 85064 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 1.37% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$693 | — | -$693 | -0.61% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 10.16% |
| INSURANCE BENEFIT ADVISORS3 | 947 E. SCORPIO PLACE CHANDLER, AZ 85249 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $3K | — | $3K | 5.49% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 24.23% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.39% |
| RUTHANNE PETERSON3 | 2516 DURANGO LN APT 204 NAPERVILLE, IL 60564 | AFLAC | $2K | — | $2K | 6.35% |
| GTS INC3 Filed as: GTS INC. | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $235 | — | $235 | 0.97% |
| SHERRY L LYDEN3 Filed as: SHERRY LYDEN | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $218 | — | $218 | 0.90% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $141 | — | $141 | 0.58% |
| DAVID A DECKERT3 Filed as: DAVID DECKERT | 1511 12TH AVE BELVIDERE, IL 61008 | AFLAC | $117 | — | $117 | 0.48% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $112 | — | $112 | 0.46% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $97 | — | $97 | 0.40% |
| MARC P TRANSPARENTI3 Filed as: MARC TRANSPARENTI | 3915 TILA RD PARKVILLE, MD 21234 | AFLAC | $72 | — | $72 | 0.30% |
| ANTHONY TRISTANO3 | 377 E BUTTERFIELD RD STE 210 LOMBARD, IL 60148 | AFLAC | $70 | — | $70 | 0.29% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $61 | — | $61 | 0.25% |
| ANDREW C KRAUSS3 Filed as: ANDREW KRAUSS | 6441 GARRETT LANE ROCKFORD, IL 61107 | AFLAC | $58 | — | $58 | 0.24% |
| FRANK L LINDSEY3 | S701 RIDGEVIEW NAPERVILLE, IL 60540 | AFLAC | $23 | — | $23 | 0.10% |
| TODD DEVOSS3 | 321 N. CLARK ST SUITE 625 CHICAGO, IL 60654 | AFLAC | $21 | — | $21 | 0.09% |
| LYNETTE R STEVENS3 Filed as: LYNETTE STEVENS | 203 ASHWOOD DR SYCAMORE, IL 60178 | AFLAC | $19 | — | $19 | 0.08% |
| RICK A SHIMMINS3 Filed as: RICK SHIMMINS | 2007 16TH AVE ROCKFORD, IL 61104 | AFLAC | $14 | — | $14 | 0.06% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $12 | — | $12 | 0.05% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $11 | — | $11 | 0.05% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $10 | — | $10 | 0.04% |
| BARBIER GROUP INC3 | 414 N ORLEANS ST STE 601 CHICAGO, IL 60654 | AFLAC | $10 | — | $10 | 0.04% |
| GREGORY SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $3 | — | $3 | 0.01% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $2 | — | $2 | 0.01% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $1 | — | $1 | 0.00% |
| LISA QUISENBERRY3 | 929 BOX ELDER DR KIRKWOOD, MO 63122 | AFLAC | $1 | — | $1 | 0.00% |
| KNUTE NELSON3 | 3920 KIPLING AVE MINNEAPOLIS, MN 55416 | AFLAC | $1 | — | $1 | 0.00% |
| DONNA ACKMAN3 | 1420 S PLYMOUTH CT SUITE 204 CHICAGO, IL 60505 | AFLAC | $153 | — | $153 | 6.15% |
| RUTHANNE PETERSON3 | 2516 DURANGO LN APT 204 NAPERVILLE, IL 60564 | AFLAC | $50 | — | $50 | 2.01% |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $48 | — | $48 | 1.93% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $32 | — | $32 | 1.29% |
| SHERRY L LYDEN3 Filed as: SHERRY LYDEN | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $26 | — | $26 | 1.05% |
| DENISE J LONGTIN3 Filed as: DENISE LONGTIN | 2833 E STATE ROUTE 17 KANKAKEE, IL 60901 | AFLAC | $22 | — | $22 | 0.88% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $13 | — | $13 | 0.52% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $4 | — | $4 | 0.16% |
| RAWLYN R ROSS3 | 219 AVONLEA PL JOHNSON CITY, TN 37604 | AFLAC | $2 | — | $2 | 0.08% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | 0.04% |
| LISA QUISENBERRY3 | 638 EVANS AVENUE SAINT LOUIS, MO 63122 | AFLAC | $1 | — | $1 | 0.04% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $1 | — | $1 | 0.04% |
| RUTHANNE PETERSON3 | 2516 DURANGO LN APT 204 NAPERVILLE, IL 60564 | AFLAC | $80 | — | $80 | 7.04% |
| SHERRY L LYDEN3 Filed as: SHERRY LYDEN | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $42 | — | $42 | 3.70% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $22 | — | $22 | 1.94% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $11 | — | $11 | 0.97% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $2 | — | $2 | 0.18% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $2 | — | $2 | 0.18% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 109 | $1.3M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $111K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 76 | $55K |
| Short-term disability(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 70 | $142K |
| Long-term disability(5 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 76 | $197K |
| Other(5 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 76 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.