| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 1.46% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | $7K | $65K | 16.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC | 263 SHUMAN BLVD SUITE 110 NAPERVILLE, IL 60563 | AFLAC | $32K | — | $32K | 12.35% |
| WILLIAM S ROUSONELOS3 | 524 CA CREST DRIVE SHOREWOOD, IL 60404 | AFLAC | $2K | $174 | $3K | 1.01% |
| RUBICON REGION LLC3 | 1862 KEYSTONE PLACE SCHAUMBERG, IL 60193 | AFLAC | $2K | $174 | $2K | 0.82% |
| JEFFREY LYNN LAMBERT3 | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $1K | — | $1K | 0.51% |
| STEPHEN KELLS3 | 1026 BALDWIN LANE OAK PARK, IL 60302 | AFLAC | $1K | — | $1K | 0.47% |
| RICHELLE M VOITIK3 | 263 SHUMAN BLVD SUITE 110 NAPERVILLE, IL 60563 | AFLAC | $160 | $752 | $912 | 0.35% |
| JOHN F SCULLY3 | 3500 BANKVIEW DR JOLIET, IL 60431 | AFLAC | $868 | — | $868 | 0.33% |
| JAMES CAPPEL3 | 926 CARRIE AVE ROCHELLE, IL 61068 | AFLAC | $527 | — | $527 | 0.20% |
| CHAD L NELSON3 | 5266 N KUFALK LANE BYRON, IL 61010 | AFLAC | $424 | — | $424 | 0.16% |
| KELLEY STRAUGHAN3 | 1005 HIDDEN BRANCHES TRAIL CANTON, GA 30115 | AFLAC | $400 | — | $400 | 0.15% |
| JEREMY M SKEETERS3 | 9695 W MONTE LINDO PEORIA, AZ 85383 | AFLAC | $386 | — | $386 | 0.15% |
| TIFFANY ANNE KING3 | 1010 LAKE STREET SUITE 430 OAK PARK, IL 60301 | AFLAC | $359 | — | $359 | 0.14% |
| WESTERMAYER AND ASSOCIATES LLC3 | 5431 MONTICELLO AVENUE DALLAS, TX 75206 | AFLAC | $297 | — | $297 | 0.11% |
| MARCIN ZUREK3 | 210 DES PLAINES AVENUE UNIT D FOREST PARK, IL 60130 | AFLAC | $282 | — | $282 | 0.11% |
| CHRISTINE L BREWSTER3 | 1312 FARLEY LANE CHAMPAIGN, IL 61822 | AFLAC | $260 | — | $260 | 0.10% |
| KENT HORSMAN3 | 1600 STIFEL WOODS DRIVE CHESTERFIELD, MO 63017 | AFLAC | $188 | — | $188 | 0.07% |
| DANIEL E ELLIS3 | 201 S MAPLE AVENUE APT 104 OAK PARK, IL 60302 | AFLAC | $179 | — | $179 | 0.07% |
| AARON J DUNNILL3 | 1137 E 5000N ROAD BOURBONNAIS, IL 60914 | AFLAC | $156 | — | $156 | 0.06% |
| GARY W WARE JR3 | 3103 MEADOWBROOK DRIVE CHAMPAIGN, IL 61822 | AFLAC | $149 | — | $149 | 0.06% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $121 | — | $121 | 0.05% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $72 | — | $72 | 0.03% |
| SCOTT A HOWARD3 | 1491 GINGER LANE SUITE 6 NEW LENOX, IL 60451 | AFLAC | $66 | — | $66 | 0.03% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $59 | — | $59 | 0.02% |
| MARK E ZURO3 | 15001 S 88TH AVENUE ORLAND PARK, IL 60462 | AFLAC | $56 | — | $56 | 0.02% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $49 | — | $49 | 0.02% |
| MARK I SHIFMAN3 | 6517 DENNY AVENUE NORTH HOLLYWOOD, CA 91606 | AFLAC | $40 | — | $40 | 0.02% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $40 | — | $40 | 0.02% |
| RUSSELL THOMAS3 Filed as: RUSSELL F THOMAS | 2701 HERITAGE DRIVE CHAMPAIGN, IL 61822 | AFLAC | $38 | — | $38 | 0.01% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DRIVE SHOREWOOD, IL 60404 | AFLAC | $32 | — | $32 | 0.01% |
| BRIAN R KIMMEL3 | 309 BRAESWICK DRIVE LAKE ST LOUIS, MO 63367 | AFLAC | $26 | — | $26 | 0.01% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $24 | — | $24 | 0.01% |
| JOSHUA J JOHNSON3 Filed as: JOSHUA A JOHNSON | 1209 W SHERWIN AVENUE CHICAGO, IL 60626 | AFLAC | $23 | — | $23 | 0.01% |
| MICHAEL ROBERT YURCZYK3 | 9616 WYOMING TERRACE S BLOOMINGTON, MN 55438 | AFLAC | $22 | — | $22 | 0.01% |
| LISA MARIE QUISENBERRY3 | 304 W MADISON AVENUE SAINT LOUIS, MO 63122 | AFLAC | $22 | — | $22 | 0.01% |
| DENNIS J CASSENS3 | 4646 E MARRILL ROAD BYRON, IL 61010 | AFLAC | $13 | — | $13 | 0.00% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH STREET PALATINE, IL 60067 | AFLAC | $11 | — | $11 | 0.00% |
| LORI WARE3 | 3103 MEADOWBROOK DRIVE CHAMPAIGN, IL 61822 | AFLAC | $11 | — | $11 | 0.00% |
| JV FLORIDA INSURANCE CORP3 | 2821 N OCEAN BLVD APT 305 FT. LAUDERDALE, FL 33308 | AFLAC | $10 | — | $10 | 0.00% |
| GREGORY J SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $8 | — | $8 | 0.00% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $8 | — | $8 | 0.00% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $8 | — | $8 | 0.00% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $8 | — | $8 | 0.00% |
| JACQUELINE GELINAS BEAULIEU3 | 131 E 39TH STREET APT 3 NEW YORK, NY 10016 | AFLAC | $7 | — | $7 | 0.00% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $6 | — | $6 | 0.00% |
| CHRISTIAN WOMACK3 Filed as: CHRISTIAN A WOMACK | 32960 N THREE OAKS LANE LIBERTYVILLE, IL 60048 | AFLAC | $5 | — | $5 | 0.00% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $4 | — | $4 | 0.00% |
| VICKI L CIGER3 | 2919 HAMPTON AVENUE NORTH AURORA, IL 60542 | AFLAC | $3 | — | $3 | 0.00% |
| CHRISTIE MARZARI3 | 202 DUBLIN COURT BRANDON, MS 39047 | AFLAC | $2 | — | $2 | 0.00% |
| GEORGE P OWENS3 | 653 N ANTLER DRIVE MT. ZION, IL 62549 | AFLAC | $2 | — | $2 | 0.00% |
| ANGELA R SCHIEK3 | 953 WILLOW LANE SLEEPY HOLLOW, IL 60118 | AFLAC | $2 | — | $2 | 0.00% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 131 E 39TH STREET APT 3 NEW YORK, NY 10016 | AFLAC | $1 | — | $1 | 0.00% |
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 | 2,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,196 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,267 | $276K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,521 | $384K |
| Short-term disability | AFLAC | 315 | $263K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,521 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,196 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.