| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $88K | $10K | $98K | 17.40% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $7K | $0 | $7K | 8.97% |
| MJ INSURANCE3 Filed as: ANTHONY CUINGTON AND VARIOUS AGENTS | 1825 WEST WALNUT HILL LANE SUITE 120 IRVING, TX 75038 | AFLAC | $2K | $26 | $2K | 4.60% |
| HENRY J SAMAAN3 Filed as: HENRY SAMAAN | 477 EAST BUTTERFIELD ROAD SUITE 206 LOMARD, IL 60148 | AFLAC | $666 | $56 | $722 | 1.43% |
| H J SAAMAN, INC.3 | 477 EAST BUTTERFIELD ROAD SUITE 206 LOMBARD, IL 60148 | AFLAC | $586 | $0 | $586 | 1.16% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET, SUITE 625 CHICAGO, IL 60654 | AFLAC | $331 | $0 | $331 | 0.66% |
| SHARON JOYCE JOHNSTON3 Filed as: SHARON JOHNSTON | 218 NORTH WILLOW STREET MANSFIELD, TX 76063 | AFLAC | $293 | $0 | $293 | 0.58% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUPE, LLC | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | AFLAC | $280 | $0 | $280 | 0.55% |
| L A D FINANCIAL CORP3 Filed as: L A D FINANCIAL CORP. | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $273 | $0 | $273 | 0.54% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUPE | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $371 | $0 | $371 | 5.39% |
| HENRY J SAMAAN3 Filed as: HENRY J. SAMAAN | 19W152 21ST PLACE LOMARD, IL 60148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | $0 | $221 | 3.21% |
| MJ INSURANCE3 Filed as: MARK D. BARBIER AND VARIOUS AGENTS | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | $0 | $182 | 2.65% |
| DEBRA POCZATKO3 | 14466 SOUTH ELIZABETH LANE HOMER GLEN, IL 60491 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 1.24% |
| MICHAEL J. RINKE3 | 7349 PONCE AVENUE WEST HILLS, CA 91307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.81% |
| HELENE HENDRICKSON3 | 1658 CAMDEN AVENUE, APARTMENT 108 LOS ANGELES, CA 90025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.60% |
| SHARON S. WIENER3 | 8833 PICKFORD STREET LOS ANGELES, CA 90035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.45% |
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 | 1,057 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,302 | $75K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,055 | $564K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,055 | $564K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,055 | $564K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,055 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,302 | — |
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.