| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH A GUILBEAULT3 Filed as: DEBORAH GUILBEAULT | 120 VALLEY VIEW DRIVE ALGONQUIN, IL 60102 | AFLAC | $4K | $120 | $4K | 8.94% |
| MICHELE M BRIGHT3 Filed as: MICHELE BRIGHT | 9217 S IL RTE 31 LAKE IN THE HILLS, IL 60156 | AFLAC | $1K | $24 | $1K | 2.71% |
| KELLY V ZURZOLO3 Filed as: KELLY V. ZURZOLO | 875 FEINBERG COURT STE 103 CARY, IL 60013 | AFLAC | $539 | — | $539 | 1.09% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $456 | $24 | $480 | 0.97% |
| DON J CONOYER3 Filed as: DON J. CONOYER | 119 OAKSHIRE DR W GLEN CARBON, IL 62034 | AFLAC | $300 | — | $300 | 0.61% |
| MICHAEL S MOORE3 | 2630 E COUNTY ROAD 130 CARTHAGE, IL 62321 | AFLAC | $135 | — | $135 | 0.27% |
| ROBERTA J TROVINGER3 | 50 WILD HORSE MESA DR SEDONA, AZ 86351 | AFLAC | $99 | — | $99 | 0.20% |
| CHRISTOPHER J O'BRIEN3 Filed as: CHRISTOPHER J. O'BRIEN | 26 RUGBY ROAD LAKE ZURICH, IL 60047 | AFLAC | $81 | — | $81 | 0.16% |
| CHAD L NELSON3 Filed as: CHAD L. NELSON | 5266 N. KUFALK LN BYRON, IL 61010 | AFLAC | $79 | — | $79 | 0.16% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $56 | — | $56 | 0.11% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $42 | — | $42 | 0.09% |
| TAMI SPENCE3 | 1315 OLD TIMBER LN HOFFMAN ESTATES, IL 60192 | AFLAC | $42 | — | $42 | 0.09% |
| TOMMY L JOHNSON JR3 Filed as: TOMMY L. JOHNSON JR. | 711 S OLIVE ST APT 314 LOS ANGELES, CA 90014 | AFLAC | $36 | — | $36 | 0.07% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $33 | — | $33 | 0.07% |
| SCALETTA INSURANCE AGENCY INC3 Filed as: SCALETTA INSURANCE AGENCY INC. | 4552 N OTTAWA AVENUE NORRIDGE, IL 60706 | AFLAC | $28 | — | $28 | 0.06% |
| JEFFREY LYNN LAMBERT3 | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $22 | — | $22 | 0.04% |
| JOSHUA B DEVRIES3 Filed as: JOSHUA B. DEVRIES | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $16 | — | $16 | 0.03% |
| MAUREEN A HARKER3 | 3803 HILLCREST PL JOHNSBURG, IL 60051 | AFLAC | $15 | — | $15 | 0.03% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK STREET STE 625 CHICAGO, IL 60654 | AFLAC | $13 | — | $13 | 0.03% |
| JOSEPH A NASCA3 | 28081 W. MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $13 | — | $13 | 0.03% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 W. ERIE STREET STE 400 CHICAGO, IL 60654 | AFLAC | $13 | — | $13 | 0.03% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $12 | — | $12 | 0.02% |
| KEMP G PILE3 | 1525 TIMBERWOOD CT SYCAMORE, IL 60178 | AFLAC | $8 | — | $8 | 0.02% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $6 | — | $6 | 0.01% |
| DENNIS J CASSENS3 Filed as: DENNIS J. CASSENS | 4646 E. MARRILL RD BYRON, IL 61010 | AFLAC | $6 | — | $6 | 0.01% |
| KNUTE NELSON3 | 3920 KIPLING AVENUE MINNEAPOLIS, MN 55416 | AFLAC | $6 | — | $6 | 0.01% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVE SAVOY, IL 61874 | AFLAC | $5 | — | $5 | 0.01% |
| LA FREY AND ASSOCIATES INC3 | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | AFLAC | $4 | — | $4 | 0.01% |
| H J SAMAAN INC3 | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $3 | — | $3 | 0.01% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH A. LENZO | 1840 VIA DEL REY SOUTH PASADENA, CA 91030 | AFLAC | $3 | — | $3 | 0.01% |
| GREGORY J SHARP3 Filed as: GREGORY J. SHARP | 702 E. 5TH STREET COAL VALLEY, IL 61240 | AFLAC | $3 | — | $3 | 0.01% |
| JEREMY M SKEETERS3 Filed as: JEREMY M. SKEETERS | 9830 W JJ RANCH RD PEORIA, AZ 85383 | AFLAC | $3 | — | $3 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS A. DANKO | 2030 34 MILE ROAD BRUCE TWP, MI 48065 | AFLAC | $3 | — | $3 | 0.01% |
| STACIE L COOK3 | 448 CHERRY HILLS DRIVE CHESTERTON, IN 46304 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.00% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S. CASTRO | 100 WALL ST FL 28 NEW YORK, NY 10005 | AFLAC | $2 | — | $2 | 0.00% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID ROTHSCHILD3 Filed as: DAVID J. ROTHSCHILD | 1889 YORK LANE HIGHLAND PARK, IL 60035 | AFLAC | $2 | — | $2 | 0.00% |
| LISA MARIE QUISENBERRY3 | 929 BOX ELDER DR KIRKWOOD, MO 63122 | AFLAC | $2 | — | $2 | 0.00% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DRIVE BLOOMINGDALE, IL 60108 | AFLAC | $1 | — | $1 | 0.00% |
| VANESSA ANITA MILLER3 | 2039 32ND DRIVE SW LANETT, AL 36863 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL J TAYLOR3 Filed as: DANIEL J. TAYLOR | 2170 N LAKE DRIVE APT 6032 COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.00% |
| GARY W WARE JR3 Filed as: GARY W. WARE JR. | 2306 VALLEYBROOK DRIVE CHAMPAIGN, IL 61822 | 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 | 10.23% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN NATIONAL | — | $2K | $2K | 6.00% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL | 293 | $37K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $38K |
| Other(2 contracts, 2 carriers) | AFLAC | 293 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.