| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICE | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | BLUECROSS BLUESHIELD OF ILLINOIS | $68K | $3K | $71K | 2.56% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $562 | $4 | $566 | 1.47% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $528 | $25 | $553 | 1.44% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 360 W ILLINOIS ST APT 9A CHICAGO, IL 60654 | AFLAC | $382 | — | $382 | 0.99% |
| JOSEPH LARTEY3 | 5816 N SHERIDAN RD APT 3A CHICAGO, IL 60660 | AFLAC | $302 | — | $302 | 0.79% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $238 | $4 | $242 | 0.63% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DR JUSTICE, IL 60458 | AFLAC | $242 | — | $242 | 0.63% |
| CHRISTOPHER RYAN CORDON3 | 1080 BLACKHAWK DR ELGIN, IL 60120 | AFLAC | $177 | — | $177 | 0.46% |
| ORA ANDERSON3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $144 | — | $144 | 0.37% |
| MATT S IBACH3 | 1107 OXFORD ST DOWNERS GROVE, IL 60516 | AFLAC | $101 | — | $101 | 0.26% |
| NICHOLAS RINALDI3 | 116 N MAIN ST LOMBARD, IL 60148 | AFLAC | $76 | — | $76 | 0.20% |
| ERIC BROGAN3 Filed as: ERIC SPENGEL | 220 INSURANCE DR STE A FORT WAYNE, IN 46825 | AFLAC | $62 | — | $62 | 0.16% |
| JENNIFER R GLASSBERG3 | 307 LIVE OAK LN BOYNTON BEACH, FL 33436 | AFLAC | $50 | — | $50 | 0.13% |
| ERIC BROGAN3 Filed as: ERIC SPENGEL | 3819 BLYTHEWOOD PL FORT WAYNE, IN 46804 | AFLAC | $43 | — | $43 | 0.11% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES INC | 950 W NORTON AVE STE 201 NORTON SHORES, MI 49441 | AFLAC | $39 | — | $39 | 0.10% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON AND ASSOC LLC | 303 W ERIE STE 400 CHICAGO, IL 60654 | AFLAC | $37 | — | $37 | 0.10% |
| JEFFREY A BILL3 | 1700 S MORGAN ST UNIT 4 CHICAGO, IL 60608 | AFLAC | $33 | — | $33 | 0.09% |
| SUSAN C BRIMHALL3 | 155 CYPRESS LN OLDSMAR, FL 34677 | AFLAC | $32 | — | $32 | 0.08% |
| JEANETTE V HARRIS3 | 668 BRIDGEVIEW BAY LN MUSKEGON, MI 49441 | AFLAC | $27 | — | $27 | 0.07% |
| DANIEL A MARINEZ3 Filed as: DANIEL MARINEZ | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $27 | — | $27 | 0.07% |
| HELENE HENDRICKSON3 | 1658 CAMDEN AVE APT 108 LOS ANGELES, CA 90025 | AFLAC | $25 | — | $25 | 0.07% |
| SUSAN C BRIMHALL3 | 3921 CAPE SAN BLAS RD PORT SAINT JOE, FL 32456 | AFLAC | $20 | — | $20 | 0.05% |
| SANTIAGO & ASSOCIATES LLC3 | 950 W NORTON AVE STE 201 MUSKEGON, MI 49441 | AFLAC | $19 | — | $19 | 0.05% |
| ABELARDO RODRIGUEZ3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $14 | — | $14 | 0.04% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOC LTD | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $9 | — | $9 | 0.02% |
| ERIC S BIRKENSTEIN3 Filed as: ERIC S. BIRKENSTEIN | 892 THORNAPPLE LN GLENCOE, IL 60022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $677 | $6K | 17.08% |
| ERIC S BIRKENSTEIN3 | 892 THORNAPPLE LN GLENCOE, IL 60022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $337 | $3K | 16.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 13.39% |
| ERIC S BIRKENSTEIN3 | 892 THORNAPPLE LN GLENCOE, IL 60022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.01% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 505 | $2.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 260 | $12K |
| Vision | VISION SERVICE PLAN | 134 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 308 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 308 | $21K |
| Other(3 contracts, 3 carriers) | AFLAC | 308 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.