| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEOBORAH A GUILBEAULT3 | 120 VALLEY VIEW DRIVE ALGONQUIN, IL 60102 | AFLAC | $9K | $584 | $10K | 8.18% |
| MICHELE M BRIGHT3 | 875 FEINBURG COURT SUITE 103 CARY, IL 60013 | AFLAC | $3K | $40 | $3K | 2.24% |
| MICHELE M BRIGHT3 | 5105 TOLLVIEW DRIVE SUITE 285 ROLLING MEADOWS, IL 60008 | AFLAC | $2K | $104 | $2K | 2.00% |
| MICHAEL E MCCARTHY3 | P.O. BOX 1047 DUNDEE, IL 60118 | AFLAC | $1K | $123 | $1K | 1.24% |
| KELLY V ZURZOLO3 | 875 FEINBURG COURT SUITE 103 CARY, IL 60013 | AFLAC | $965 | — | $965 | 0.81% |
| DON J CONOYER3 | 119 OAKSHIRE DRIVE WEST GLEN CARBON, IL 62034 | AFLAC | $493 | — | $493 | 0.41% |
| CHRISTOPHER J O'BRIEN3 | 26 RUGBY ROAD LAKE ZURICH, IL 60047 | AFLAC | $397 | — | $397 | 0.33% |
| MICHAEL S MOORE3 | 2630 EAST COUNTY ROAD 1300 NORTH CARTHAGE, IL 62321 | AFLAC | $218 | — | $218 | 0.18% |
| JOSHUA B DEVRIES3 | 110 TREALOUT DRIVE SUITE 202 FENTON, MI 48430 | AFLAC | $187 | — | $187 | 0.16% |
| SCALETTA INSURANCE AGENCY INC3 Filed as: SCALETTA INSURANCE AGENCY INC. | 15 NORTH WINDSOR DRIVE ARLINGTON HEIGHTS, IL 60004 | AFLAC | $169 | — | $169 | 0.14% |
| TAMI SPENCE3 | 2 PINE VALLEY ROAD ROLLING MEADOWS, IL 60008 | AFLAC | $151 | — | $151 | 0.13% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $135 | — | $135 | 0.11% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | AFLAC | $82 | — | $82 | 0.07% |
| ELIZABETH M GASPAROVIC3 | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $65 | — | $65 | 0.05% |
| SCALETTA INSURANCE AGENCY INC3 Filed as: SCALETTA INSURANCE AGENCY INC. | 4552 NORTH OTTAWA AVENUE NORRIDGE, IL 60706 | AFLAC | $56 | — | $56 | 0.05% |
| TOMMY L JOHNSON JR3 | 711 SOUTH OLIVE STREET APARTMENT 314 LOS ANGELES, CA 90014 | AFLAC | $50 | — | $50 | 0.04% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $48 | — | $48 | 0.04% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $45 | — | $45 | 0.04% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $44 | — | $44 | 0.04% |
| JEANNE LOMBARDO3 | 578 ABBEYWOOD DRIVE CARY, IL 60013 | AFLAC | $33 | — | $33 | 0.03% |
| JEREMY M SKEETERS3 | 6634 WEST ROY ROGERS ROAD PHOENIX, AZ 85083 | AFLAC | $29 | — | $29 | 0.02% |
| ANN FELL3 Filed as: ANN M FELL | 36W594 RIVER GRANGE ROAD ST CHARLES, IL 60175 | AFLAC | $27 | — | $27 | 0.02% |
| JEFFREY LYNN LAMBERT3 | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $23 | — | $23 | 0.02% |
| AG AND ASSOCIATES3 | P.O. BOX 339 BELLAIRE, MI 49615 | AFLAC | $23 | — | $23 | 0.02% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 2030 34 MILE ROAD BRUCE TOWNSHIP, MI 48065 | AFLAC | $19 | — | $19 | 0.02% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $18 | — | $18 | 0.02% |
| KEMP G PILE3 | 1525 TIMBERWOOD COURT SYCAMORE, IL 60178 | AFLAC | $17 | — | $17 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $17 | — | $17 | 0.01% |
| GTS INC3 Filed as: GTS INC. | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $15 | — | $15 | 0.01% |
| MAUREEN A HARKER3 | 3803 HILLCREST PLACE JOHNSBURG, IL 60051 | AFLAC | $15 | — | $15 | 0.01% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $14 | — | $14 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $14 | — | $14 | 0.01% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED ROAD BRUCE TOWNSHIP, MI 48065 | AFLAC | $14 | — | $14 | 0.01% |
| KANDACE M MCCARTHY3 | P.O. BOX 1047 DUNDEE, IL 60118 | AFLAC | $12 | $1 | $13 | 0.01% |
| CHRISTINE M KERNES3 | P.O. BOX 158 MCHENRY, IL 60051 | AFLAC | $12 | — | $12 | 0.01% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $12 | — | $12 | 0.01% |
| KNUTE NELSON3 | 3920 KIPLING AVENUE MINNEAPOLIS, MN 55416 | AFLAC | $10 | — | $10 | 0.01% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | AFLAC | $10 | — | $10 | 0.01% |
| GREGORY J SHARP3 | 702 EAST 5TH STREET COAL VALLEY, IL 61240 | AFLAC | $8 | — | $8 | 0.01% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PLACE LOUISVILLE, KY 40245 | AFLAC | $8 | — | $8 | 0.01% |
| MARK D BARBIER3 | 24 CROYDON LANE OAK BROOK, IL 60523 | AFLAC | $4 | — | $4 | 0.00% |
| LISA MARIE QUISENBERRY3 | 638 EVANS AVENUE SAINT LOUIS, MO 63122 | AFLAC | $3 | — | $3 | 0.00% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN COURT MILFORD, MI 48380 | AFLAC | $3 | — | $3 | 0.00% |
| DANIEL J TAYLOR3 | 2170 NORTH LAKE DRIVE APARTMENT 6032 COLUMBIA, SC 29212 | AFLAC | $2 | — | $2 | 0.00% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DRIVE EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.00% |
| STEPANIE L KESSELRING3 | 5434 OAKHURST DRIVE SEMINOLE, FL 33772 | AFLAC | $2 | — | $2 | 0.00% |
| SHERRY L LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $2 | — | $2 | 0.00% |
| BARBIER GROUP INC3 Filed as: BARBIER GROUP INC. | 414 NORTH ORLEANS STREET SUITE 601 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.00% |
| VANESSA ANITA MILLER3 | 2039 32ND DRIVE SOUTHWEST LANETT, AL 36863 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| MARC D BARNES3 | 148 FOSSIL LAKE COURT WILMINGTON, IL 60481 | AFLAC | $1 | — | $1 | 0.00% |
| JACQUELINE GELINAS BEAULIEU3 Filed as: JACQUELINE SOUTH CASTRO | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $1 | — | $1 | 0.00% |
| JACQUELINE GELINAS BEAULIEU3 Filed as: JACQUELINE SOUTH CASTRO | 131 EAST 39TH STREET APARTMENT 3 NEW YORK, NY 10016 | AFLAC | $1 | — | $1 | 0.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 107 CANDLELIGHT LANE MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 5.99% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | DEARBORN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.98% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675695 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $717 | $4K | 16.33% |
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 | 415 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 405 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $24K |
| Other(2 contracts, 2 carriers) | AFLAC | 405 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.