| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF ILLINOIS | $81K | $2K | $83K | 2.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | DEARBORN LIFE INSURANCE COMPANY | $3K | $5K | $8K | 5.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 20.81% |
| JAMES REINHART3 Filed as: JAMES A GARNCARZ | 652 DANA CR, UNIT C NAPERVILLE, IL 60563 | AFLAC | $123 | $14 | $137 | 5.64% |
| MICHELLE L FODREY3 | 332 S GRACE ST LOMBARD, IL 60148 | AFLAC | $51 | $3 | $54 | 2.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 400 GALLERIA PKWY, STE 300 ATLANTA, GA 30339 | AFLAC | $28 | $0 | $28 | 1.15% |
| OVERBECK INSURANCE SERVICES3 | 1033 SOUTH BLVD OAK PARK, IL 60302 | AFLAC | $22 | $3 | $25 | 1.03% |
| SCOTT LYDEN3 Filed as: SCOTT F LYDEN | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $21 | $0 | $21 | 0.86% |
| MELISSA M STEFFEY3 | 2724 BAINBRIDGE BLVD WEST CHICAGO, IL 60185 | AFLAC | $20 | $0 | $20 | 0.82% |
| KATHLEEN L PLEGER3 | 625 S GRANT AVE VILLA PARK, IL 60181 | AFLAC | $19 | $0 | $19 | 0.78% |
| DANIEL E ELLIS3 | 313 N KENILWORTH AVE OAK PARK, IL 60302 | AFLAC | $13 | $0 | $13 | 0.53% |
| WAYNE R BALL3 | 1450 LENHART RD SPRINGFIELD, IL 62711 | AFLAC | $11 | $0 | $11 | 0.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 106 S WYNSTONE PARK DR, STE 101 N BARRINGTON, IL 60010 | AFLAC | $8 | $0 | $8 | 0.33% |
| DIGITAL INSURANCE LLC3 | 2300 RIVER ROAD, STE 310 DES PLAINES, IL 60018 | AFLAC | $7 | $0 | $7 | 0.29% |
| CHRISTINA L MALOVANY3 | 1056 WOODHILL CT ELGIN, IL 60120 | AFLAC | $6 | $0 | $6 | 0.25% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $3 | $0 | $3 | 0.12% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 438 | $3.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 317 | $146K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 317 | $146K |
| Short-term disability | AFLAC | 7 | $2K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 317 | $146K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 317 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
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.