| 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 | $32K | $2K | $33K | 4.24% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 15.36% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 3.96% |
| ARIZONA AUTO DEALERS ASSN SERVICES4 | ATTN DAVID SMITH PHOENIX, AZ 85034 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $897 | $897 | 1.19% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $157 | — | $157 | 0.21% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N STE 500 DEERFIELD, IL 600152567 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.01% |
| INSURANCE BENEFIT ADVISORS3 Filed as: INSURANCE BENEFIT ADVISORS, LLC | 3414 E. BARBARITA AVE GILBERT, AZ 85234 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 9.90% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $748 | — | $748 | 5.33% |
| ANTHONY TRISTANO3 | 917 INTERNATIONALE PKWY WOODRIDGE, IL 60517 | AFLAC | $205 | $58 | $263 | 1.87% |
| GTS INC3 Filed as: GTS INC. | 1284 ROSEGATE CT. AURORA, IL 60504 | AFLAC | $156 | — | $156 | 1.11% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $110 | — | $110 | 0.78% |
| DAVID A DECKERT3 | 1511 12TH AVE BELVIDERE, IL 61008 | AFLAC | $89 | — | $89 | 0.63% |
| SHERRY L LYDEN3 | 1284 ROSEGATE CT. AURORA, IL 60504 | AFLAC | $72 | — | $72 | 0.51% |
| ANDREW C KRAUSS3 | 6441 GARRETT LN ROCKFORD, IL 61107 | AFLAC | $58 | — | $58 | 0.41% |
| MICHAEL A ORTIZ3 | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $43 | — | $43 | 0.31% |
| DANIEL E ELLIS3 | 377 E BUTTERFIELD RD STE 210 LOMBARD, IL 60148 | AFLAC | $28 | $10 | $38 | 0.27% |
| MARC P TRANSPARENTI3 | 3915 TILA RD PARKVILLE, MD 21234 | AFLAC | $35 | — | $35 | 0.25% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $35 | — | $35 | 0.25% |
| CHAD L NELSON3 Filed as: CHAD L. NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $28 | — | $28 | 0.20% |
| FRANK L LINDSEY3 | S 701 RIDGEVIEW NAPERVILLE, IL 60540 | AFLAC | $23 | — | $23 | 0.16% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST. STE 625 CHICAGO, IL 60654 | AFLAC | $14 | — | $14 | 0.10% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST. PALATINE, IL 60067 | AFLAC | $10 | — | $10 | 0.07% |
| BARBIER GROUP INC3 Filed as: BARBIER GROUP INC. | 23 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $9 | — | $9 | 0.06% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT. AURORA, IL 60504 | AFLAC | $4 | — | $4 | 0.03% |
| GREGORY J SHARP3 | 702 E 5TH ST. COAL VALLEY, IL 61240 | AFLAC | $3 | — | $3 | 0.02% |
| STEPHEN KELLS3 | 514 MAYFAIR CT. GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | 0.01% |
| KNUTE NELSON3 | 3920 KIPLING AVE MINNEAPOLIS, MN 55416 | AFLAC | $1 | — | $1 | 0.01% |
| ESTATE OF DONNA DUNKER ACKMAN3 | 1420 S PLYMOUTH CT CHICAGO, IL 60605 | AFLAC | $160 | — | $160 | 6.50% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $51 | — | $51 | 2.07% |
| RUTHANNE B PETERSON3 | 2508 VERSAILLES AVE APT 204 NAPERVILLE, IL 60540 | AFLAC | $39 | — | $39 | 1.59% |
| JAMES A SMAARDYK3 | 13435 S. MCCALL RD UNIT 16 PORT CHARLOTTE, FL 33981 | AFLAC | $34 | — | $34 | 1.38% |
| DENISE J LONGTIN3 | 2833 E STATE ROUTE 17 KANKAKEE, IL 60901 | AFLAC | $24 | — | $24 | 0.98% |
| SHERRY L LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $20 | — | $20 | 0.81% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $11 | — | $11 | 0.45% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $3 | — | $3 | 0.12% |
| RAWLYN R ROSS3 | 219 AVONLEA PL JOHNSON CITY, TN 37604 | AFLAC | $3 | — | $3 | 0.12% |
| 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% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | — | $193 | 10.50% |
| KELMARC INSURANCE LLC3 | 7975 S AUTOPLEX LOOP TEMPE, AZ 85284 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 4.52% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 90 | $780K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $95K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 83 | $99K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 42 | $92K |
| Long-term disability(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 83 | $190K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 83 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.