| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST STE 700 COLUMBUS, OH 43215 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $101K | — | $101K | 5.30% |
| ERIC S BIRKENSTEIN3 Filed as: ERIC BIRKENSTEIN | 892 THORNAPPLE LN GLENCOE, IL 60022 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 13.98% |
| ERIC S BIRKENSTEIN3 Filed as: ERIC BIRKENSTEIN | 892 THORNAPPLE LN GLENCOE, IL 60022 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 14.00% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $724 | — | $724 | 2.77% |
| JOANNA M ROCKWELL3 Filed as: JOANNA M NASCA | 350 N LA SALLE DR STE 1410 CHICAGO, IL 60654 | AFLAC | $365 | — | $365 | 1.40% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 9961 SYLVIAN DR DUBLIN, OH 43017 | AFLAC | $189 | — | $189 | 0.72% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DR JUSTICE, IL 60458 | AFLAC | $142 | — | $142 | 0.54% |
| FRANCESSCA R NASCA3 | 165 N CANAL ST APT 716 CHICAGO, IL 60606 | AFLAC | $68 | — | $68 | 0.26% |
| ORA ANDERSON3 | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $60 | — | $60 | 0.23% |
| ANTONIO R TRISTINO3 | 3N110 CREST CT WEST CHICAGO, IL 60185 | AFLAC | $54 | — | $54 | 0.21% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $46 | — | $46 | 0.18% |
| ERIC BROGAN3 Filed as: ERIC SPENGEL | 103 N MAIN ST STE 3 CROWN POINT, IN 46307 | AFLAC | $43 | — | $43 | 0.16% |
| JOHN HERNANDEZ3 | 5406 S LOREL AVE CHICAGO, IL 60638 | AFLAC | $40 | — | $40 | 0.15% |
| HELENE HENDRICKSON3 | 10384 ALMAYO AVE APT 201 LOS ANGELES, CA 90064 | AFLAC | $36 | — | $36 | 0.14% |
| CHRISTOPHER RYAN CORDON3 | 2019 N MAIN ST APT 204B WHEATON, IL 60187 | AFLAC | $34 | — | $34 | 0.13% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $32 | — | $32 | 0.12% |
| JENNIFER R GLASSBERG3 | 307 LIVE OAK LN BOYNTON BEACH, FL 33436 | AFLAC | $31 | — | $31 | 0.12% |
| DANIEL A MARINEZ3 | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $21 | — | $21 | 0.08% |
| SANTIAGO & ASSOCIATES LLC3 | 5480 PINE BLUFF LN MUSKEGON, MI 49441 | AFLAC | $18 | — | $18 | 0.07% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $9 | — | $9 | 0.03% |
| JEANETTE V HARRIS3 | 5480 PINE BLUFF LN NORTON SHORES, MI 49441 | AFLAC | $9 | — | $9 | 0.03% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON AND ASSOC LLC | 325 W HURON ST STE 215 CHICAGO, IL 60654 | AFLAC | $9 | — | $9 | 0.03% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | PO BOX 526 MORRISVILLE, NC 27560 | AFLAC | $8 | — | $8 | 0.03% |
| CHRISTINE L BREWSTER3 | 1312 FARLEY LN CHAMPAIGN, IL 61822 | AFLAC | $2 | — | $2 | 0.01% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET 7TH FL COLUMBUS, OH 43215 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| ERIC S BIRKENSTEIN3 Filed as: ERIC S BIRKENSTIEN | 892 THORNAPPLE LN GLENCOE, IL 60022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $877 | — | $877 | 20.02% |
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) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 284 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 284 | $1.9M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 130 | $22K |
| Life insurance | STANDARD INSURANCE COMPANY | 164 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 164 | $27K |
| Other(2 contracts, 2 carriers) | AFLAC | 22 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
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.