| 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 | $69K | $1K | $70K | 2.98% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES, INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANA INSURANCE COMPANY | $6K | $6K | $12K | 6.39% |
| DD&A INC3 Filed as: DD&A,INC. | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | $126 | $9K | 10.15% |
| 22 INSURANCE GROUP INC3 | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | AFLAC | $6K | $17 | $6K | 15.15% |
| JEFF LAMBERT3 | 15419 WEST 127TH STREET LEMONT, IL 60439 | AFLAC | $535 | $3 | $538 | 1.35% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $497 | $3 | $500 | 1.25% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | AFLAC | $301 | — | $301 | 0.75% |
| KENT HORSMAN3 | 14162 LADUE ROAD CHESTERFIELD, MO 63017 | AFLAC | $215 | — | $215 | 0.54% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $144 | — | $144 | 0.36% |
| SCOTT A HOWARD3 | 1491 GINGER LANE SUITE 6 NEW LENOX, IL 60451 | AFLAC | $74 | — | $74 | 0.19% |
| STEVEN T SPEICHINGER3 | 210 KENT STREET WAUSAU, WI 54403 | AFLAC | $35 | — | $35 | 0.09% |
| ALDEAN T PEARSON3 | 8134 MONTERRA RANCH DRIVE APARTMENT 3617 FORT WORTH, TX 76177 | AFLAC | $28 | — | $28 | 0.07% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BLVD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $23 | — | $23 | 0.06% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE NEW LENOX, IL 60451 | AFLAC | $17 | — | $17 | 0.04% |
| CYNTHIA L GEORGE3 | 16253 SOUTH PARK AVENUE SOUTH HOLLAND, IL 60473 | AFLAC | $13 | — | $13 | 0.03% |
| TOMMY L JOHNSON JR3 | 711 S OLIVE STREET APT. 314 LOS ANGELES, CA 90014 | AFLAC | $6 | — | $6 | 0.02% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $4 | — | $4 | 0.01% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E MARRILL ROAD BYRON, IL 61010 | AFLAC | $2 | — | $2 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH NASCA | 28081 W MAPLE AVENUE SUITE 205 BARRINGTON, IL 60010 | AFLAC | $1 | — | $1 | 0.00% |
| JACQUELINE CASTRO3 | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $1 | — | $1 | 0.00% |
| KEMP G PILE3 Filed as: KEMP PILE | 1313 ADAMS WAY DEKALB, IL 60115 | AFLAC | $1 | — | $1 | 0.00% |
| TODD DEVOSS3 | 321 N CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| ADAM ORTIZ3 | 300 N STATE STREET APT 1230 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | COMPBENEFITS INSURANCE COMPANY | $3K | $1K | $4K | 13.19% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 386 | $2.3M |
| Dental | HUMANA INSURANCE COMPANY | 264 | $181K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 201 | $32K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 276 | $88K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 276 | $88K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 276 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.