| 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 | $70K | — | $70K | 2.99% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES, INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANADENTAL INSURANCE COMPANY | $5K | $5K | $10K | 6.32% |
| DD&A INC3 Filed as: DD&A, INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.35% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANA INSURANCE COMPANY | $3K | $875 | $4K | 13.16% |
| 22 INSURANCE GROUP INC3 | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | AFLAC | $2K | $279 | $2K | 9.05% |
| JEFFREY LYNN LAMBERT3 | 7 CENTER STREET HINSDALE, IL 50521 | AFLAC | $161 | $56 | $217 | 0.82% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | AFLAC | $215 | — | $215 | 0.82% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMAN TOWN HILLS, IL 61548 | AFLAC | $117 | $56 | $173 | 0.66% |
| KENT HORSEMAN3 | 14162 LADUE ROAD CHESTERFIELD, MO 53017 | AFLAC | $151 | — | $151 | 0.57% |
| CHAD L NELSON3 Filed as: CHAD L NIELSON | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $44 | — | $44 | 0.17% |
| SCOTT A HOWARD3 | 1491 GINGER LANE SUITE 6 NEW LENOX, IL 60451 | AFLAC | $44 | — | $44 | 0.17% |
| CHALD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $44 | — | $44 | 0.17% |
| STEVEN T SPEICHINGER3 | 210 KENT STREET WAUSAU, WI 59403 | AFLAC | $24 | — | $24 | 0.09% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $18 | — | $18 | 0.07% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11635 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $16 | — | $16 | 0.06% |
| ALDEAN T PEARSON3 | 6134 MONTERRA RANCH DRIVE APARTMENT 3617 FORT WORTH, TX 76177 | AFLAC | $16 | — | $16 | 0.06% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE NEWLENOX, IL 60451 | AFLAC | $13 | — | $13 | 0.05% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $11 | — | $11 | 0.04% |
| CYNTHIA L GEORGE3 | 16253 SOUTH PARK AVENUE SOUTH HOLLAND, IL 60473 | AFLAC | $10 | — | $10 | 0.04% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $4 | — | $4 | 0.02% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $4 | — | $4 | 0.02% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $4 | — | $4 | 0.02% |
| TOMMY L JOHNSON JR3 | 711 SOUTH OLIVE STREET APARTMENT 314 LOS ANGELES, CA 90014 | AFLAC | $4 | — | $4 | 0.02% |
| KEMP G PILE3 | 1525 TIMBERWOOD COURT SYCAMORE, IL 60178 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL A ORTIZ3 | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.01% |
| ADAM D ORTIZ3 | 300 NORTH STATE STREET APARTMENT 2535 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN D TOURO3 | 391 BRITTANY COURT APARTMENT 14 GENEVA, IL 60134 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | METLIFE | $3K | — | $3K | 15.00% |
| DD&A INC3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.08% |
| 22 INSURANCE GROUP INC3 | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | AFLAC | $1K | — | $1K | 7.66% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | AFLAC | $154 | — | $154 | 0.84% |
| KENT HORSMAN3 | 14162 LADUE ROAD CHESTERFIELD, MO 63017 | AFLAC | $109 | — | $109 | 0.59% |
| JEFF LAMBERT3 Filed as: JEFF LYNN LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $104 | — | $104 | 0.57% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $72 | — | $72 | 0.39% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $49 | — | $49 | 0.27% |
| SCOTT A HOWARD3 | 1491 GINGER LANE SUITE 6 NEW LENOX, IL 60451 | AFLAC | $27 | — | $27 | 0.15% |
| STEVEN T SPEICHINGER3 | 210 KENT STREET WAUSAU, WI 54403 | AFLAC | $16 | — | $16 | 0.09% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $14 | — | $14 | 0.08% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BLVD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $13 | — | $13 | 0.07% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE NEW LENOX, IL 60451 | AFLAC | $10 | — | $10 | 0.05% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $10 | — | $10 | 0.05% |
| ALDEAN T PEARSON3 | 8134 MONTERRA RANCH DRIVE APARTMENT 3617 FORT WORTH, TX 76177 | AFLAC | $10 | — | $10 | 0.05% |
| CYNTHIA L GEORGE3 | 16253 SOUTH PARK AVENUE SOUTH HOLLAND, IL 60473 | AFLAC | $9 | — | $9 | 0.05% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $7 | — | $7 | 0.04% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $3 | — | $3 | 0.02% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $3 | — | $3 | 0.02% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $3 | — | $3 | 0.02% |
| MICHAEL A ORTIZ3 | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $2 | — | $2 | 0.01% |
| TOMMY L JOHNSON JR3 | 711 SOUTH OLIVE STREET APARTMENT 314 LOS ANGELES, CA 90014 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.01% |
| KEMP G PILE3 | 1525 TIMBERWOOD COURT SYCAMORE, IL 60178 | AFLAC | $2 | — | $2 | 0.01% |
| ADAM ORTIZ3 | 300 NORTH STTE STREET APARTMENT 2535 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.01% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 363 | $2.3M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 222 | $163K |
| Vision | HUMANA INSURANCE COMPANY | 170 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 304 | $63K |
| Short-term disability | METLIFE | 51 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 304 | $63K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 304 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.