| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH A GUILBEAULT3 Filed as: DEBORAH GUILBEAULT | 120 VALLEY VIEW DRIVE ALGONQUIN, IL 60102 | AFLAC | $9K | $438 | $9K | 8.00% |
| MICHELE M BRIGHT3 Filed as: MICHELE BRIGHT | 875 FEINBERG COURT SUITE 103 CARY, IL 60013 | AFLAC | $6K | $339 | $6K | 5.46% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL E. MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $1K | $138 | $1K | 1.33% |
| KELLY V ZURZOLO3 Filed as: KELLY V. ZURZOLO | 875 FEINBERG COURT SUITE 103 CARY, IL 60013 | AFLAC | $982 | — | $982 | 0.88% |
| CHRISTOPHER J O'BRIEN3 | 26 RUGBY ROAD LAKE ZURICH, IL 60047 | AFLAC | $710 | $80 | $790 | 0.70% |
| DON J CONOYER3 Filed as: DON J. CONOYER | 119 OAKSHIRE DRIVE W GLEN CARBON, IL 62034 | AFLAC | $510 | — | $510 | 0.45% |
| SCALETTA INSURANCE AGENCY INC3 Filed as: SCALETTA INSURANCE AGENCY | 4552 N OTTAWA AVE NORRIDGE, IL 60706 | AFLAC | $280 | $16 | $296 | 0.26% |
| MICHAEL S MOORE3 Filed as: MICHAEL S. MOORE | 2630 E COUNTY ROAD 1300 N CARTHAGE, IL 62321 | AFLAC | $227 | — | $227 | 0.20% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $187 | — | $187 | 0.17% |
| REGINA E HARMON3 | 8 E EUCLID AVE APT 2 ARLINGTON HEIGHTS, IL 60004 | AFLAC | $124 | $31 | $155 | 0.14% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES | 303 W ERIE STE 400 CHICAGO, IL 60654 | AFLAC | $124 | $16 | $140 | 0.12% |
| CHAD L NELSON3 Filed as: CHAD L. NELSON | 5266 N KUFALK LANE BYRON, IL 61010 | AFLAC | $134 | — | $134 | 0.12% |
| FRANCES D LIGHTFINE3 | 36W872 WALNUT RIDGE LANE ST. CHARLES, IL 60174 | AFLAC | $102 | $31 | $133 | 0.12% |
| TAMI SPENCE3 | 2 PINE VALLEY ROAD ROLLING MEADOWS, IL 60008 | AFLAC | $129 | — | $129 | 0.12% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $63 | — | $63 | 0.06% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 WOLF RD STE 100 WESTCHESTER, IL 60154 | AFLAC | $58 | — | $58 | 0.05% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $55 | — | $55 | 0.05% |
| TREVOR FENNELL3 | 11835 QUEENS BLVD STE 1403 FOREST HILLS, NY 11375 | AFLAC | $49 | — | $49 | 0.04% |
| TOMMY L JOHNSON JR3 Filed as: TOMMY L. JOHNSON JR | 711 S OLIVE ST APT 314 LOS ANGELES, CA 90014 | AFLAC | $48 | — | $48 | 0.04% |
| STEPHEN KELLS3 | 514 MAYFAIR CT GERMANTOWN HILLS, IL 61548 | AFLAC | $45 | — | $45 | 0.04% |
| JEANNE LOMBARDO3 | 578 ABBEYWOOD DRIVE CARY, IL 60013 | AFLAC | $45 | — | $45 | 0.04% |
| MICHAEL WARD3 Filed as: MICHAEL D. WARD | 5105 TOLLVIEW DR ROLLING MEADOWS, IL 60008 | AFLAC | $35 | — | $35 | 0.03% |
| THOMAS DANKO3 | 2030 34 MILE ROAD BRUCE TWP, MI 48065 | AFLAC | $33 | — | $33 | 0.03% |
| JEREMY M SKEETERS3 Filed as: JEREMY SKEETERS | 9830 W JJ RANCH ROAD PEORIA, AZ 85383 | AFLAC | $29 | — | $29 | 0.03% |
| JEFFREY LYNN LAMBERT3 | 7 CENTER ST HINSDALE, IL 60521 | AFLAC | $23 | — | $23 | 0.02% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $23 | — | $23 | 0.02% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 MARRILL RD BYRON, IL 61010 | AFLAC | $17 | — | $17 | 0.02% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $16 | — | $16 | 0.01% |
| KEMP G PILE3 | 1525 TIMBERWOOD CT SYCAMORE, IL 60178 | AFLAC | $16 | — | $16 | 0.01% |
| ANN FELL3 | 36W594 RIVER GRANGE RD ST CHARLES, IL 60175 | AFLAC | $15 | — | $15 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH NASCA | 28081 W MAPLE BARRINGTON, IL 60010 | AFLAC | $14 | — | $14 | 0.01% |
| TODD DEVOSS3 | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $14 | — | $14 | 0.01% |
| DAVID ROTHSCHILD3 | 1889 YORK LN HIGHLAND PARK, IL 60035 | AFLAC | $11 | — | $11 | 0.01% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $11 | — | $11 | 0.01% |
| CHRISTINE M KERNES3 Filed as: CHRISTINE KERNES | PO BOX 158 MCHENRY, IL 60051 | AFLAC | $9 | — | $9 | 0.01% |
| KNUTE NELSON3 | 3920 KIPLING AVE MINNEAPOLIS, MN 55416 | AFLAC | $9 | — | $9 | 0.01% |
| GREGORY SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $9 | — | $9 | 0.01% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $8 | — | $8 | 0.01% |
| GLEN T SCHWEIKERT3 Filed as: GLEN SCHWEIKERT | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $6 | — | $6 | 0.01% |
| LISA MARIE QUISENBERRY3 | 638 EVANS AVE ST LOUIS, MO 63122 | AFLAC | $5 | — | $5 | 0.00% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $5 | — | $5 | 0.00% |
| AURORA INC.3 Filed as: AURORA BENEFITS LLC | 50 WILD HORSE MESA DR SEDONA, AZ 86351 | AFLAC | $4 | — | $4 | 0.00% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.00% |
| ANN FELL3 | 36W594 RIVER GRANGE RD ST CHARLES, IL 60175 | AFLAC | $3 | — | $3 | 0.00% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 11177 JASMINE DRIVE ROSCOE, IL 61073 | AFLAC | $2 | — | $2 | 0.00% |
| HEATHER DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL TAYLOR3 | 2170 N LAKE DR APT 6032 COLUMBIA, SC 29212 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL TAYLOR3 | 2170 N LAKE DR APT 6032 COLUMBIA, SC 29212 | AFLAC | $2 | — | $2 | 0.00% |
| VANESSA ANITA MILLER3 | 2039 32ND DRIVE SW LANETT, AL 36863 | AFLAC | $1 | — | $1 | 0.00% |
| VANESSA ANITA MILLER3 | 2039 32ND DRIVE SW LANETT, AL 36863 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN AND ASSOCIATES | 120 MARGUERITE DRIVE STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| LA FREY AND ASSOCIATES INC3 Filed as: LA FREY & ASSOCIATES | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | AFLAC | $0 | — | $0 | 0.00% |
| H J SAMAAN INC3 Filed as: HJ SAMAAN INC | 19W152 21ST PLACE LOMBARD, IL 60148 | AFLAC | $0 | — | $0 | 0.00% |
| THERESA REDDING3 | 71 COUNTRY CLUB DR BLOOMINGDALE, IL 60108 | AFLAC | $0 | — | $0 | 0.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN NATIONAL | $0 | $3K | $3K | 5.97% |
| KEY FINANCIAL GROUP, INC.3 Filed as: KEY FINANCIAL GROUP | 1811 HIGH GROVE LN STE 275 NAPERVILLE, IL 605409123 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $510 | $4K | 10.51% |
| ESSER HAYES INSURANCE GROUP3 Filed as: ESSER HAYES INSURANCE GROUP INC. | 1811 HIGH GROVE LN STE 139 NAPERVILLE, IL 605409100 | METROPOLITAN LIFE INSURANCE COMPANY | $437 | — | $437 | 1.16% |
| ESSER HAYES INSURANCE GROUP0 Filed as: ESSER HAYES INS GROUP INC | 1811 HIGH GROVE LN STE 139 NAPERVILLE, IL 60540 | UNUM LIFE INSURANCE COMPANY OF AMERIC | $1K | — | $1K | 14.08% |
| THE HORTON GROUP0 | 10320 ORLAND PKWY ORLAND PARK, IL 604675695 | UNUM LIFE INSURANCE COMPANY OF AMERIC | $288 | $77 | $365 | 3.80% |
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 | 417 | 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) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL | 373 | $44K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $47K |
| Other(2 contracts, 2 carriers) | AFLAC | 373 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.