| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST STE 700 COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $98K | $117K | 3.91% |
| ERIC S BIRKENSTEIN3 Filed as: ERIC BIRKENSTEIN | 892 THORNAPPLE LN GLENCOE, IL 60022 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $2K | — | $2K | 4.64% |
| ANTONIO R TRISTINO3 | 3N110 CREST CT WEST CHICAGO, IL 60185 | AFLAC | $2K | — | $2K | 3.99% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $1K | $9 | $1K | 2.39% |
| FRANCESSCA R NASCA3 | 165 N CANAL ST APT 716 CHICAGO, IL 60606 | AFLAC | $956 | — | $956 | 2.00% |
| ABIGAIL CASTELAN3 | 2131 GROVE AVE 2 BERWYN, IL 60402 | AFLAC | $682 | — | $682 | 1.43% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $339 | $9 | $348 | 0.73% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 9961 SYLVIAN DR DUBLIN, OH 43017 | AFLAC | $234 | — | $234 | 0.49% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DR JUSTICE, IL 60458 | AFLAC | $190 | — | $190 | 0.40% |
| JOHN HERNANDEZ3 | 3142 S LITUANICA AVE CHICAGO, IL 60608 | AFLAC | $77 | $47 | $124 | 0.26% |
| ORA ANDERSON3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $107 | — | $107 | 0.22% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $77 | — | $77 | 0.16% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 360 W ILLINOIS ST APT 9A CHICAGO, IL 60654 | AFLAC | $59 | — | $59 | 0.12% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $47 | — | $47 | 0.10% |
| SUSAN C BRIMHALL3 | PO BOX 13877 MEXICO BEACH, FL 33410 | AFLAC | $43 | — | $43 | 0.09% |
| JENNIFER R GLASSBERG3 | 307 LIVE OAK LN BOYNTON BEACH, FL 33436 | AFLAC | $41 | — | $41 | 0.09% |
| CHRISTOPHER RYAN CORDON3 | 2019 N MAIN ST APT 204B WHEATON, IL 60187 | AFLAC | $35 | — | $35 | 0.07% |
| SANTIAGO & ASSOCIATES LLC3 | 5480 PINE BLUFF LN MUSKEGON, MI 49441 | AFLAC | $32 | — | $32 | 0.07% |
| CHRISTOPHER RYAN CORDON3 | 1080 BLACKHAWK DR ELGIN, IL 60120 | AFLAC | $31 | — | $31 | 0.06% |
| HELENE HENDRICKSON3 | 10384 ALMAYO AVE APT 201 LOS ANGELES, CA 90064 | AFLAC | $27 | — | $27 | 0.06% |
| DANIEL A MARINEZ3 Filed as: DANIEL MARINEZ | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $27 | — | $27 | 0.06% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON AND ASSOC LLC | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $22 | — | $22 | 0.05% |
| ERIC BROGAN3 Filed as: ERIC SPENGEL | 103 N MAIN ST STE 3 CROWN POINT, IN 46307 | AFLAC | $22 | — | $22 | 0.05% |
| ERIC BROGAN3 Filed as: ERIC SPENGEL | 11037 BROADWAY STE C CROWN POINT, IN 46307 | AFLAC | $18 | — | $18 | 0.04% |
| MATT S IBACH3 | 1107 OXFORD ST DOWNERS GROVE, IL 60516 | AFLAC | $15 | — | $15 | 0.03% |
| DANIEL A MARINEZ3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $15 | — | $15 | 0.03% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | PO BOX 526 MORRISVILLE, NC 27560 | AFLAC | $15 | — | $15 | 0.03% |
| TINA M LASSUY3 | 3021 45TH ST MOLINE, IL 61265 | AFLAC | $11 | — | $11 | 0.02% |
| ERIC BROGAN3 Filed as: ERIC SPENGEL | 1005 WESCOTT DR FORT WAYNE, IN 46818 | AFLAC | $10 | — | $10 | 0.02% |
| ABELARDO RODRIGUEZ3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $10 | — | $10 | 0.02% |
| KIMBERLY DEWINTER3 Filed as: KIMBERLY A DEWINTER | 1523 47TH AVE STE 3 MOLINE, IL 61265 | AFLAC | $10 | — | $10 | 0.02% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 5480 PINE BLUFF LN MUSKEGON, MI 49441 | AFLAC | $9 | — | $9 | 0.02% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $9 | — | $9 | 0.02% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOC LTD | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $9 | — | $9 | 0.02% |
| KIMBERLY A AIKINS3 | 606 19TH ST MOLINE, IL 61265 | AFLAC | $8 | — | $8 | 0.02% |
| SANTIAGO & ASSOCIATES LLC3 | 950 W NORTON AVE STE 201 MUSKEGON, MI 49441 | AFLAC | $6 | — | $6 | 0.01% |
| SUSAN C BRIMHALL3 | PO BOX 336 SMITHS STATION, AL 36877 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTINE L BREWSTER3 | 1312 FARLEY LN CHAMPAIGN, IL 61822 | AFLAC | $4 | — | $4 | 0.01% |
| HELENE HENDRICKSON3 | 1658 CAMDEN AVE APT 108 LOS ANGELES, CA 90025 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIAM T GANT3 | 5100 POPULAR AVENUE SUITE 31058 MEMPHIS, TN 38137 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM T GANT3 | 1355 B LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $2 | — | $2 | 0.00% |
| MARC D BARNES3 | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $2 | — | $2 | 0.00% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 950 W NORTON AVE STE 201 MUSKEGON, MI 49441 | AFLAC | $2 | — | $2 | 0.00% |
| ERIC S BIRKENSTEIN3 Filed as: ERIC BIRKENSTEIN | 892 THORNAPPLE LN GLENCOE, IL 60022 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ERIC S BIRKENSTEIN3 Filed as: ERIC S BIRKENSTIEN | 892 THORNAPPLE LN GLENCOE, IL 60022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 19.79% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 785 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 785 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 785 | $3.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 319 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 319 | $38K |
| Other(2 contracts, 2 carriers) | AFLAC | 73 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 785 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.