| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH A GUILBEAULT3 Filed as: DEBORAH GUILBEAULT | 120 VALLEY VIEW DRIVE ALGONQUIN, IL 60102 | AFLAC | $5K | $656 | $5K | 10.03% |
| MICHELE M BRIGHT3 Filed as: MICHELE BRIGHT | 9217 S IL RTE 31 LAKE IN THE HILLS, IL 60156 | AFLAC | $1K | $156 | $2K | 2.82% |
| DON J CONOYER3 Filed as: DON CONOYER | 303 HOGUE LN WYLIE, TX 75098 | AFLAC | $521 | $127 | $648 | 1.21% |
| KELLY V ZURZOLO3 Filed as: KELLY V. ZURZOLO | 9217 S IL RTE 31 STE 200 LAKE IN THE HILLS, IL 60156 | AFLAC | $588 | $15 | $603 | 1.13% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $296 | $23 | $319 | 0.60% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $140 | $127 | $267 | 0.50% |
| MICHAEL S MOORE3 | 2630 E COUNTY ROAD 130 CARTHAGE, IL 62321 | AFLAC | $177 | — | $177 | 0.33% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 E ROOSEVELT RD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $96 | — | $96 | 0.18% |
| ROBERTA J TROVINGER3 | 522 SHAGBARK DRIVE ELGIN, IL 60123 | AFLAC | $18 | $75 | $93 | 0.17% |
| ROBERTA J TROVINGER3 | 50 WILD HORSE MESA DR SEDONA, AZ 86351 | AFLAC | $45 | — | $45 | 0.08% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $44 | — | $44 | 0.08% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $38 | — | $38 | 0.07% |
| TOMMY L JOHNSON JR3 Filed as: TOMMY L. JOHNSON JR. | 11620 WILSHIRE BLVD STE 210 LOS ANGELES, CA 90025 | AFLAC | $37 | — | $37 | 0.07% |
| TAMI SPENCE3 | 1315 OLD TIMBER LN HOFFMAN ESTATES, IL 60192 | AFLAC | $25 | — | $25 | 0.05% |
| MAUREEN A HARKER3 | 3803 HILLCREST PL JOHNSBURG, IL 60051 | AFLAC | $21 | — | $21 | 0.04% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $21 | — | $21 | 0.04% |
| JEFFREY LYNN LAMBERT3 | 15419 W 127TH STREET LEMONT, IL 60118 | AFLAC | $19 | — | $19 | 0.04% |
| JEFFREY M WIATT3 | 29819 136TH AVE N HILLSDALE, IL 61257 | AFLAC | $15 | — | $15 | 0.03% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVE SAVOY, IL 61874 | AFLAC | $14 | — | $14 | 0.03% |
| LA FREY AND ASSOCIATES INC3 | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | AFLAC | $8 | — | $8 | 0.01% |
| DANIEL L BARTEL3 | 1006 WEAVER ROAD STERLING, IL 61081 | AFLAC | $8 | — | $8 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK STREET STE 625 CHICAGO, IL 60654 | AFLAC | $7 | — | $7 | 0.01% |
| STACIE L COOK3 | 448 CHERRY HILLS DRIVE CHESTERTON, IN 46304 | AFLAC | $5 | — | $5 | 0.01% |
| CHRISTOPHER J BAYER3 | 127 N CHERRY ST GALESBURG, IL 61401 | AFLAC | $4 | — | $4 | 0.01% |
| JEFF LAMBERT3 | 15419 W 127TH ST LEMONT, IL 60439 | AFLAC | $4 | — | $4 | 0.01% |
| H J SAMAAN INC3 | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $2 | — | $2 | 0.00% |
| HENRY J SAMAAN3 | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $2 | — | $2 | 0.00% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DRIVE BLOOMINGDALE, IL 60108 | AFLAC | $2 | — | $2 | 0.00% |
| MARK E ZURO3 | 15001 S 88TH AVE ORLAND PARK, IL 60462 | AFLAC | $1 | — | $1 | 0.00% |
| TIFFANY M ALLEN3 | 2027 VARDON LN FLOSSMOOR, IL 60422 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINE L BREWSTER3 | 2025 MAINE ST QUINCY, IL 62301 | AFLAC | $0 | — | $0 | 0.00% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $0 | — | $0 | 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 | 10.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN NATIONAL | — | $2K | $2K | 5.99% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL | 274 | $36K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $36K |
| Other(2 contracts, 2 carriers) | AFLAC | 274 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.