| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST STE 700 COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $90K | $103K | 4.66% |
| ERIC S BIRKENSTEIN3 Filed as: ERIC BIRKENSTEIN | 892 THORNAPPLE LN GLENCOE, IL 60022 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 13.73% |
| ERIC S BIRKENSTEIN3 Filed as: ERIC BIRKENSTEIN | 892 THORNAPPLE LN GLENCOE, IL 60022 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 13.66% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $851 | $63 | $914 | 3.48% |
| JOANNA M ROCKWELL3 Filed as: JOANNA M NASCA | 350 N LA SALLE DR STE 1410 CHICAGO, IL 60654 | AFLAC | $361 | $36 | $397 | 1.51% |
| ANTONIO R TRISTINO3 | 3N110 CREST CT WEST CHICAGO, IL 60185 | AFLAC | $195 | $66 | $261 | 1.00% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 9961 SYLVIAN DR DUBLIN, OH 43017 | AFLAC | $199 | — | $199 | 0.76% |
| FRANCESSCA R NASCA3 | 165 N CANAL ST APT 716 CHICAGO, IL 60606 | AFLAC | $145 | $40 | $185 | 0.71% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DR JUSTICE, IL 60458 | AFLAC | $149 | — | $149 | 0.57% |
| ORA ANDERSON3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $70 | — | $70 | 0.27% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $56 | — | $56 | 0.21% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $52 | — | $52 | 0.20% |
| CHRISTOPHER RYAN CORDON3 | 2019 N MAIN ST APT 204B WHEATON, IL 60187 | AFLAC | $32 | — | $32 | 0.12% |
| ERIC BROGAN3 Filed as: ERIC SPENGEL | 103 N MAIN ST STE 3 CROWN POINT, IN 46307 | AFLAC | $32 | — | $32 | 0.12% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $30 | — | $30 | 0.11% |
| HELENE HENDRICKSON3 | 10384 ALMAYO AVE APT 201 LOS ANGELES, CA 90064 | AFLAC | $28 | — | $28 | 0.11% |
| JENNIFER R GLASSBERG3 | 307 LIVE OAK LN BOYNTON BEACH, FL 33436 | AFLAC | $24 | — | $24 | 0.09% |
| SANTIAGO & ASSOCIATES LLC3 | 5480 PINE BLUFF LN MUSKEGON, MI 49441 | AFLAC | $22 | — | $22 | 0.08% |
| JOHN HERNANDEZ3 | 3142 S LITUANICA AVE CHICAGO, IL 60608 | AFLAC | $17 | — | $17 | 0.06% |
| DANIEL A MARINEZ3 | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $14 | — | $14 | 0.05% |
| DANIEL A MARINEZ3 Filed as: DANIEL MARINEZ | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $8 | — | $8 | 0.03% |
| SUSAN C BRIMHALL3 | PO BOX 13877 MEXICO BEACH, FL 33410 | AFLAC | $7 | — | $7 | 0.03% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $7 | — | $7 | 0.03% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | PO BOX 526 MORRISVILLE, NC 27560 | AFLAC | $5 | — | $5 | 0.02% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON AND ASSOC LLC | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $5 | — | $5 | 0.02% |
| MATT S IBACH3 | 4412 S PROSPECT AVE DOWNERS GROVE, IL 60515 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTINE L BREWSTER3 | 1312 FARLEY LN CHAMPAIGN, IL 61822 | AFLAC | $2 | — | $2 | 0.01% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOC LTD | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC S BIRKENSTEIN3 Filed as: ERIC S BIRKENSTIEN | 892 THORNAPPLE LN GLENCOE, IL 60022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $868 | — | $868 | 20.00% |
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 | 330 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 320 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 320 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 320 | $2.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 330 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 330 | $38K |
| Other(2 contracts, 2 carriers) | AFLAC | 47 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.