| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH A GUILBEAULT3 Filed as: DEBORAH GUILBEAULT | 120 VALLEY VIEW DRIVE ALGONQUIN, IL 60102 | AFLAC | $8K | $168 | $9K | 17.82% |
| MICHELE M BRIGHT3 Filed as: MICHELE BRIGHT | 9217 S IL RTE 31 LAKE IN THE HILLS, IL 60156 | AFLAC | $2K | $34 | $2K | 3.77% |
| DON J CONOYER3 Filed as: DON CONOYER | 303 HOGUE LN WYLIE, TX 75098 | AFLAC | $1K | $34 | $1K | 2.48% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $680 | — | $680 | 1.40% |
| KELLY V ZURZOLO3 Filed as: KELLY ZURZOLO | 9217 S IL RTE 31 STE 200 LAKE IN THE HILLS, IL 60156 | AFLAC | $597 | — | $597 | 1.23% |
| TIMOTHY ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $145 | $34 | $179 | 0.37% |
| MICHAEL MOORE3 | 2630 E COUNTY ROAD STE 1300 CARTHAGE, IL 62321 | AFLAC | $178 | — | $178 | 0.37% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 E ROOSEVELT RD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $98 | — | $98 | 0.20% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $49 | — | $49 | 0.10% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $44 | — | $44 | 0.09% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $43 | — | $43 | 0.09% |
| TOMMY L JOHNSON JR3 Filed as: TOMMY L. JOHNSON JR. | 11620 WILSHIRE BLVD STE 210 LOS ANGELES, CA 90025 | AFLAC | $38 | — | $38 | 0.08% |
| MARK E ZURO3 | 15001 S 88TH AVE ORLAND PARK, IL 60462 | AFLAC | $23 | — | $23 | 0.05% |
| JEFF LAMBERT3 | 15419 W 127TH STREET LEMONT, IL 60118 | AFLAC | $23 | — | $23 | 0.05% |
| TIFFANY LEE ALLEN3 Filed as: TIFFANY ALLEN | 2027 VARDON LN FLOSSMOOR, IL 60422 | AFLAC | $17 | — | $17 | 0.03% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVE SAVOY, IL 61874 | AFLAC | $14 | — | $14 | 0.03% |
| CHRISTINE L BREWSTER3 Filed as: CHRISTINE BREWSTER | 2025 MAINE ST QUINCY, IL 62301 | AFLAC | $8 | — | $8 | 0.02% |
| ROBERTA J TROVINGER3 Filed as: ROBERTA TROVINGER | 522 SHAGBARK DR ELGIN, IL 60123 | AFLAC | $7 | — | $7 | 0.01% |
| STACIE L COOK3 Filed as: STACIE L. COOK | 448 CHERRY HILLS DRIVE CHESTERTON, IN 46304 | AFLAC | $5 | — | $5 | 0.01% |
| LA FREY AND ASSOCIATES INC3 | 4415 W HARRISON STREET STE 503 HILLSIDE, IL 60162 | AFLAC | $5 | — | $5 | 0.01% |
| MAUREEN A HARKER3 Filed as: MAUREEN HARKER | 3803 HILLCREST PL JOHNSBURG, IL 60051 | AFLAC | $5 | — | $5 | 0.01% |
| SHERRY L LYDEN3 Filed as: SHERRY LYDEN | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $4 | — | $4 | 0.01% |
| H J SAMAAN INC3 Filed as: H J SAMAAN INC. | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $4 | — | $4 | 0.01% |
| GARY W WARE JR3 | 2306 VALLEYBROOK DRIVE CHAMPAIGN, IL 61822 | AFLAC | $2 | — | $2 | 0.00% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $2 | — | $2 | 0.00% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 15419 W 127TH LEMONT, IL 60439 | AFLAC | $2 | — | $2 | 0.00% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $1 | — | $1 | 0.00% |
| TAMI SPENCE3 | 1315 OLD TIMBER LN HOFFMAN ESTATES, IL 60192 | AFLAC | $1 | — | $1 | 0.00% |
| KEY FINANCIAL GROUP, INC.3 Filed as: KEY FINANCIAL GROUP | 1811 HIGH GROVE LN STE 275 NAPERVILLE, IL 605409123 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN NATIONAL | — | $1K | $1K | 5.31% |
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 | 268 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL | 268 | $28K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $32K |
| Other(2 contracts, 2 carriers) | AFLAC | 268 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.