| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $60K | $2K | $62K | 3.54% |
| RESOURCE BROKERAGE LLC3 Filed as: RESOURCE BROKERAGE, LLC | 1501 EAST WOODFIELD ROAD SUITE 110E SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $14K | — | $14K | 0.80% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES, INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANA INSURANCE COMPANY | $4K | $7K | $12K | 6.13% |
| DD&A INC3 Filed as: DD&A | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.24% |
| 22 INSURANCE GROUP INC3 | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | AFLAC | $5K | $193 | $5K | — |
| JEFF LAMBERT3 | 15419 WEST 127TH STREET LEMONT, IL 60439 | AFLAC | $367 | $39 | $406 | — |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | AFLAC | $376 | — | $376 | — |
| KENT HORSMAN3 | 14162 LADUE ROAD CHESTERFIELD, MO 63017 | AFLAC | $264 | — | $264 | — |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $198 | — | $198 | — |
| SCOTT A HOWARD3 | 1491 GINGER LANE SUITE 6 NEW LENOX, IL 60451 | AFLAC | $94 | — | $94 | — |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 820 NEW ORLEANS STREET SUITE 405 CHICAGO, IL 60610 | AFLAC | $76 | $17 | $93 | — |
| STEVEN T SPEICHINGER3 | 210 KENT STREET WAUSAU, WI 54403 | AFLAC | $54 | — | $54 | — |
| ALDEAN T PEARSON3 | 8134 MONTERRA RANCH DRIVE APARTMENT 3617 FORT WORTH, TX 76177 | AFLAC | $39 | — | $39 | — |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE NEW LENOX, IL 60451 | AFLAC | $19 | — | $19 | — |
| CYNTHIA L GEORGE3 | 16253 SOUTH PARK AVENUE SOUTH HOLLAND, IL 60473 | AFLAC | $15 | — | $15 | — |
| JESSE M RYAN3 | 16806 LOCUST LANE LOCKPORT, IL 60441 | AFLAC | $10 | — | $10 | — |
| TOMMY L JOHNSON JR3 | 9504 ALLENSWOOD ROAD RANDALLSTOWN, MD 21133 | AFLAC | $9 | — | $9 | — |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $5 | — | $5 | — |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DRIVE BLOOMINGDALE, IL 60108 | AFLAC | $5 | — | $5 | — |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $2 | — | $2 | — |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 356 | $1.7M |
| Dental | HUMANA INSURANCE COMPANY | 237 | $191K |
| Vision | HUMANA INSURANCE COMPANY | 237 | $191K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 262 | $83K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 262 | $83K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 262 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.