| 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 | $34K | $2K | $36K | 4.27% |
| INSURANCE BENEFIT ADVISORS3 Filed as: INSURANCE BENEFIT ADVISORS, LLC | 3414 E. BARBARITA AVE GILBERT, AZ 85234 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $361 | $4K | 1.01% |
| ARIZONA AUTO DEALERS ASSN SERVICES4 | ATTN DAVID SMITH PHOENIX, AZ 85034 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $1K | $1K | 1.31% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | -$191 | — | -$191 | -0.23% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 26.98% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 4.97% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $530 | $3K | 6.42% |
| RUTHANNE B PETERSON3 | 2516 DURANGO LN APT 204 NAPERVILLE, IL 60564 | AFLAC | $1K | — | $1K | 5.56% |
| ANTHONY TRISTANO3 | 377 E BUTTERFIELD RD STE 210 LOMBARD, IL 60148 | AFLAC | $547 | — | $547 | 2.84% |
| GTS INC3 Filed as: GTS INC. | 1284 ROSEGATE CT. AURORA, IL 60504 | AFLAC | $218 | — | $218 | 1.13% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $140 | — | $140 | 0.73% |
| DAVID A DECKERT3 | 1511 12TH AVE BELVIDERE, IL 61008 | AFLAC | $117 | — | $117 | 0.61% |
| SHERRY L LYDEN3 | 1284 ROSEGATE CT. AURORA, IL 60504 | AFLAC | $98 | — | $98 | 0.51% |
| CHAD L NELSON3 Filed as: CHAD L. NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $69 | — | $69 | 0.36% |
| MARC P TRANSPARENTI3 | 3915 TILA RD PARKVILLE, MD 21234 | AFLAC | $62 | — | $62 | 0.32% |
| ANDREW C KRAUSS3 | 6441 GARRETT LN ROCKFORD, IL 61107 | AFLAC | $58 | — | $58 | 0.30% |
| DANIEL E ELLIS3 | 377 E BUTTERFIELD RD STE 210 LOMBARD, IL 60148 | AFLAC | $55 | — | $55 | 0.29% |
| MICHAEL A ORTIZ3 | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $52 | — | $52 | 0.27% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $47 | — | $47 | 0.24% |
| FRANK L LINDSEY3 | S 701 RIDGEVIEW NAPERVILLE, IL 60540 | AFLAC | $23 | — | $23 | 0.12% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST. STE 625 CHICAGO, IL 60654 | AFLAC | $17 | — | $17 | 0.09% |
| RICK A SHIMMINS3 | 2007 16TH AVE ROCKFORD, IL 61104 | AFLAC | $14 | — | $14 | 0.07% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST. PALATINE, IL 60067 | AFLAC | $12 | — | $12 | 0.06% |
| BARBIER GROUP INC3 Filed as: BARBIER GROUP INC. | 414 N ORLEANS ST. STE 601 CHICAGO, IL 60654 | AFLAC | $10 | — | $10 | 0.05% |
| STEPHEN KELLS3 | 514 MAYFAIR CT. GERMANTOWN HILLS, IL 61548 | AFLAC | $6 | — | $6 | 0.03% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT. AURORA, IL 60504 | AFLAC | $5 | — | $5 | 0.03% |
| GREGORY J SHARP3 | 702 E 5TH ST. COAL VALLEY, IL 61240 | AFLAC | $3 | — | $3 | 0.02% |
| LISA MARIE QUISENBERRY3 | 638 EVANS AVE SAINT LOUIS, MO 63122 | AFLAC | $1 | — | $1 | 0.01% |
| DONNA DUNKER ACKMAN3 | 1420 S PLYMOUTH CT CHICAGO, IL 60605 | AFLAC | $156 | — | $156 | 6.52% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $50 | — | $50 | 2.09% |
| RUTHANNE B PETERSON3 | 2516 DURANGO LN APT 204 NAPERVILLE, IL 60564 | AFLAC | $37 | — | $37 | 1.55% |
| JAMES A SMAARDYK3 | 157 LONG MEADOW LN ROTONDA WEST, FL 33947 | AFLAC | $34 | — | $34 | 1.42% |
| DENISE J LONGTIN3 | 2833 E STATE ROUTE 17 KANKAKEE, IL 60901 | AFLAC | $24 | — | $24 | 1.00% |
| SHERRY L LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $20 | — | $20 | 0.84% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $10 | — | $10 | 0.42% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $3 | — | $3 | 0.13% |
| 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 MARIE QUISENBERRY3 | 638 EVANS AVENUE SAINT LOUIS, MO 63122 | AFLAC | $1 | — | $1 | 0.04% |
| RUTHANNE PETERSON3 | 2516 DURANGO LN APT 204 NAPERVILLE, IL 60564 | AFLAC | $46 | — | $46 | 7.02% |
| SHERRY L LYDEN3 Filed as: SHERRY LYDEN | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $24 | — | $24 | 3.66% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $13 | — | $13 | 1.98% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $7 | — | $7 | 1.07% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | 0.15% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $1 | — | $1 | 0.15% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 119 | $1.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $461K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $408K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 75 | $72K |
| Short-term disability(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 51 | $105K |
| Long-term disability(5 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 75 | $177K |
| Other(5 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 75 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.