| 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 | $64K | $2K | $66K | 3.01% |
| PCC COMMUNITY WELLNESS CENTER3 | 14 WEST LAKE STREET OAK PARK, IL 60302 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4 | $4 | 0.00% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES, INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANADENTAL INSURANCE COMPANY | $5K | $2K | $7K | 4.84% |
| ASSOCIATES HEALTH GROUP LLC3 | 333 WEST HAMPDEN AVENUE SUITE 930 ENGLEWOOD, CO 80110 | HUMANADENTAL INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| 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 | 10.74% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANA INSURANCE COMPANY | $3K | $446 | $3K | 11.72% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | METLIFE | $3K | — | $3K | 15.00% |
| EUCLID INSURANCE SERVICES INC3 Filed as: EUCLID INSURANCE SERVICES | 234 SPRING LAKE DRIVE ITASCA, IL 60143 | METLIFE | — | $256 | $256 | 1.25% |
| DD&A INCORPORATED3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.43% |
| 22 INSURANCE GROUP INC3 | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | AFLAC | $1K | — | $1K | 7.65% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | AFLAC | $123 | — | $123 | 0.84% |
| KENT HORSMAN3 | 14162 LADUE ROAD CHESTERFIELD, MO 63017 | AFLAC | $100 | — | $100 | 0.69% |
| JEFF LAMBERT3 Filed as: JEFF LYNN LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $74 | — | $74 | 0.51% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $73 | — | $73 | 0.50% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $44 | — | $44 | 0.30% |
| SCOTT A HOWARD3 | 1491 GINGER LANE SUITE 6 NEW LENOX, IL 60451 | AFLAC | $17 | — | $17 | 0.12% |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BLVD SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $14 | — | $14 | 0.10% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE NEW LENOX, IL 60451 | AFLAC | $11 | — | $11 | 0.08% |
| CYNTHIA L GEORGE3 | 16253 SOUTH PARK AVENUE SOUTH HOLLAND, IL 60473 | AFLAC | $10 | — | $10 | 0.07% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $4 | — | $4 | 0.03% |
| MICHAEL A ORTIZ3 | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $2 | — | $2 | 0.01% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $2 | — | $2 | 0.01% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AFLAC | $2 | — | $2 | 0.01% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.01% |
| STEVEN T SPEICHINGER3 | 3008 CHRISTIAN AVENUE WAUSAU, WI 54401 | AFLAC | $1 | — | $1 | 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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 371 | $2.2M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 232 | $150K |
| Vision | HUMANA INSURANCE COMPANY | 182 | $27K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $71K |
| Short-term disability | METLIFE | 51 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $56K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 274 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.