| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST CHICAGO, IL 60654 | HEALTH CARE SERVICE CORPORATION | $60K | — | $60K | 3.54% |
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $12K | 17.46% |
| BROWNIE D HALL Filed as: BROWNIE HALL | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $427 | — | $427 | 2.15% |
| LESLIE H SILTMAN Filed as: LESLIE SILTMAN | 207 MOORE DR BATESVILLE, ME 38606 | AFLAC | $376 | — | $376 | 1.89% |
| RICK R THORNE Filed as: RICK THORNE | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $328 | — | $328 | 1.65% |
| JAMES C FARMER JR Filed as: JAMES FARMER, JR | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $287 | — | $287 | 1.45% |
| GARY W LOVELL Filed as: GARY LOVELL | PO BOX 682146 FRANKLIN, TN 37068 | AFLAC | $219 | — | $219 | 1.10% |
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSURANCE SERVICES, INC. | 321 N CLARK STREET CHICAGO, IL 60654 | AFLAC | $142 | — | $142 | 0.72% |
| RONALD H RICHEY Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $66 | — | $66 | 0.33% |
| KELSEY EVERT | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $46 | — | $46 | 0.23% |
| KEN KRAVITZ | 8841 S 84TH CT HICKORY HILLS, IL 60457 | AFLAC | $43 | — | $43 | 0.22% |
| JAIME HUTTON | 1020 MONTROSE DR GALLATIN, TN 37066 | AFLAC | $36 | — | $36 | 0.18% |
| MARCIN ZUREK | 1010 LAKE ST STE 430 OAK PARK, IL 60301 | AFLAC | $32 | — | $32 | 0.16% |
| DAVID M CRUMLEY Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $29 | — | $29 | 0.15% |
| SHERRI L BASHORE Filed as: SHERRI BASHORE | PO BOX 40327 NASHVILLE, TN 37204 | AFLAC | $24 | — | $24 | 0.12% |
| ABBIE W COFFMAN Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $23 | — | $23 | 0.12% |
| RONALD A DASHKOVITZ Filed as: RONALD DASHKOVITZ | 20 MILLPOND TRL SAGINAW, MI 48603 | AFLAC | $22 | — | $22 | 0.11% |
| NOLAN MCCUE | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $17 | — | $17 | 0.09% |
| JEFFREY LYNN LAMBERT Filed as: JEFFREY LAMBERT | 7 CENTER ST HINSDALE, IL 60521 | AFLAC | $10 | — | $10 | 0.05% |
| DAVID B RAY Filed as: DAVID RAY | 5122 STONEWOOD DR SMYRNA, TN 37167 | AFLAC | $9 | — | $9 | 0.05% |
| VBTN, INC Filed as: VBTN, INC. | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.04% |
| BRENT GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.04% |
| KANDHI HECHLER | 5453 HASSELL DR ROCKVALE, TN 37153 | AFLAC | $5 | — | $5 | 0.03% |
| JAY S OLEARY Filed as: JAY O LEARY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $5 | — | $5 | 0.03% |
| WAYNE E BURTON Filed as: WAYNE BURTON | 433 SOUTH PLANTATION DR COOKEVILLE, TN 38506 | AFLAC | $4 | — | $4 | 0.02% |
| JOHN T JEWELL Filed as: JOHN JEWELL | 2428 AULDRIDGE DR CHRISTIANA, TN 37037 | AFLAC | $4 | — | $4 | 0.02% |
| ALAN W MARTIN Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.02% |
| JOANNA G MATHERLY Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.02% |
| TIMOTHY ASBY | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $3 | — | $3 | 0.02% |
| JOSPEH LEDOUX | 2411 CARTER AVE NASHVILLE, TN 46077 | AFLAC | $2 | — | $2 | 0.01% |
| RICHARD HEYDEL | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $2 | — | $2 | 0.01% |
| AUTUMN BETHEA | 1053 MUNA CT SPRING HILL, TN 37174 | AFLAC | $1 | — | $1 | 0.01% |
| KEN S KRAVITZ | PO BOX 1284 BRIDGEVIEW, IL 60455 | CONTINENTAL AMERICAN INS COMPANY | $244 | — | $244 | 1.49% |
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST CHICAGO, IL 60654 | CONTINENTAL AMERICAN INS COMPANY | $169 | — | $169 | 1.03% |
| MARCIN ZUREK | 15419 W 127TH ST LEMONT, IL 60439 | CONTINENTAL AMERICAN INS COMPANY | $165 | — | $165 | 1.00% |
| JAIME HUTTON | 1020 MONTROSE DR GALLATIN, TN 37066 | CONTINENTAL AMERICAN INS COMPANY | $116 | — | $116 | 0.71% |
| KELSEY DAVID EVERT Filed as: KELSEY D EVERT | 2055 N MOUNT JULIET RD STE 201 MT JULIET, TN 37122 | CONTINENTAL AMERICAN INS COMPANY | $112 | — | $112 | 0.68% |
| NOLAN D MCCUE | 242 HERITAGE PK DR STE 108 MURFREESBRO, TN 37129 | CONTINENTAL AMERICAN INS COMPANY | $111 | — | $111 | 0.68% |
| SHERRI L BASHORE | PO BOX 40327 NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INS COMPANY | $86 | — | $86 | 0.52% |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INS COMPANY | $68 | — | $68 | 0.41% |
| JEFFREY LYNN LAMBERT Filed as: JEFFREY L LAMBERT | 7 CENTER ST HINSDALE, IL 60521 | CONTINENTAL AMERICAN INS COMPANY | $65 | — | $65 | 0.40% |
| TIMOTHY B ASBY | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INS COMPANY | $39 | — | $39 | 0.24% |
| THERESA NETTO PHILLIPS Filed as: THERESA V REDDING | 71 COUNTRY CLUB DR BLOOMINGDALE, IL 60108 | CONTINENTAL AMERICAN INS COMPANY | $18 | — | $18 | 0.11% |
| COURTNEY RYAN YURCZYK Filed as: COURTNEY S YURCZYK | 5810 W 78TH ST STE 210 EDINA, MN 55439 | CONTINENTAL AMERICAN INS COMPANY | $15 | — | $15 | 0.09% |
| MICHAEL ROBERT YURCZYK Filed as: MICHAEL R YURCZYK | 111 W JACKSON BLVD 117TH FL CHICAGO, IL 60604 | CONTINENTAL AMERICAN INS COMPANY | $7 | — | $7 | 0.04% |
| MARK D BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INS COMPANY | $4 | — | $4 | 0.02% |
| ELIZABETH A LENZO Filed as: ELIZABETH LENZO | 349 E CALIFORNIA BLVD PASADENA, CA 91106 | CONTINENTAL AMERICAN INS COMPANY | $2 | — | $2 | 0.01% |
| TODD DEVOSS | 321 N CLARK STREET STE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INS COMPANY | $1 | — | $1 | 0.01% |
| DANA J A NORRIS Filed as: DANA NORRIS | 4900 ZEPP ROAD MAURERTOWN, VA 22644 | CONTINENTAL AMERICAN INS COMPANY | $1 | — | $1 | 0.01% |
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST CHICAGO, IL 60654 | UNITED HEALTH CARE INSURANCE COMPANY | $1K | — | $1K | 13.67% |
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 30.60% |
| THE ABACUS GROUP LLC | 2541 LAFAYETTE PLAZA DR ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $751 | — | $751 | 11.17% |
| THW INSURANCE SERVICES LLC3 | 321 W MAIN ST LEBANON, TN 37087 | UNION SECURITY INSURANCE COMPANY | $438 | — | $438 | 6.52% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC | ONE RIVERFRONT PLAZA WESTBROOK, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $289 | $289 | 4.30% |
| J A SMITH & ASSOCIATES | PO BOX 680325 FRANKLIN, TN 37068 | UNION SECURITY INSURANCE COMPANY | $188 | — | $188 | 2.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | MELLON BANK CENTER 1735 MARKET STREET PHILADEPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | — | $101 | $101 | 1.50% |
| KEN KRAVITZ | 8841 S 84TH CT HICKORY HILLS, IL 60457 | AFLAC | $168 | — | $168 | 2.92% |
| TODD DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $96 | — | $96 | 1.67% |
| KIRK HASKINS | 1043 N NARCISSUS AVE BROKEN ARROW, OK 74012 | AFLAC | $79 | — | $79 | 1.37% |
| GLEN E TWAITS Filed as: GLEN TWAITS | 2006 DOUBLE EAGLE DR MISSION, TX 78572 | AFLAC | $38 | — | $38 | 0.66% |
| ELIZABETH M GASPAROVIC Filed as: ELIZABETH GASPAROVIC | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $31 | — | $31 | 0.54% |
| GTS INC Filed as: GTS, INC. | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $29 | — | $29 | 0.50% |
| BARBIER GROUP INC | 414 N ORLEANS ST STE 601 CHICAGO, IL 60654 | AFLAC | $25 | — | $25 | 0.43% |
| LA FREY AND ASSOCIATES INC | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | AFLAC | $22 | — | $22 | 0.38% |
| JEFFREY MENARD | 2105 BENT TREE DR GENEVA, IL 60134 | AFLAC | $20 | — | $20 | 0.35% |
| THOMAS A JAHR | 17328 LINDA VISTA CIR LUTZ, FL 33548 | AFLAC | $17 | — | $17 | 0.30% |
| H J SAMAAN INC | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $16 | — | $16 | 0.28% |
| GLEN T SCHWEIKERT Filed as: GLEN SCHWEIKERT | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $12 | — | $12 | 0.21% |
| THERESA REDDING Filed as: THERESA REDDNG | 71 COUNTRY CLUB DR BLOOMINGDALE, IL 60108 | AFLAC | $7 | — | $7 | 0.12% |
| TOMMY L JOHNSON JR Filed as: TOMMY JOHNSON JR | 711 S OLIVE ST APT 314 LOS ANGELES, CA 90014 | AFLAC | $6 | — | $6 | 0.10% |
| GREGORY SHARP | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $4 | — | $4 | 0.07% |
| CHAD L NELSON Filed as: CHAD NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $2 | — | $2 | 0.03% |
| KEMP G PILE Filed as: KEMP PILE | 1525 TIMBERWOOD CT SYCAMORE, IL 60178 | AFLAC | $2 | — | $2 | 0.03% |
| STEPHEN KELLS | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $1 | — | $1 | 0.02% |
| DENNIS J CASSENS Filed as: DENNIS CASSENS | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $1 | — | $1 | 0.02% |
| DANIEL TAYLOR | 2170 N LAKE DRIVE APT 6032 COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.02% |
| MARC D BARNES Filed as: MARC BARNES | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $1 | — | $1 | 0.02% |
| KEN KRAVITZ | 8841 S 84TH CT HICKORY HILLS, IL 60457 | AFLAC | $158 | $4 | $162 | 3.53% |
| MARCIN ZUREK | 1010 LAKE ST STE 430 OAK PARK, IL 60301 | AFLAC | $77 | $7 | $84 | 1.83% |
| TODD DEVOSS | 321 N CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $48 | — | $48 | 1.05% |
| JEFFREY MENARD | 2105 BENT TREE DR GENEVA, IL 60134 | AFLAC | $28 | — | $28 | 0.61% |
| JEFFREY LYNN LAMBERT Filed as: JEFFREY LAMBERT | 7 CENTER ST HINSDALE, IL 60521 | AFLAC | $18 | $2 | $20 | 0.44% |
| GLEN E TWAITS Filed as: GLEN TWAITS | 2006 DOUBLE EAGLE DR MISSION, TX 78572 | AFLAC | $19 | — | $19 | 0.41% |
| MESIROW INSURANCE SERVICES INC Filed as: MESIROW INSURANCE SERVICES, INC. | 321 N CLARK STREET CHICAGO, IL 60610 | AFLAC | $15 | — | $15 | 0.33% |
| H J SAMAAN INC Filed as: HJ SAMAAN INC | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $13 | — | $13 | 0.28% |
| THERESA REDDING | 71 COUNTRY CLUB DR BLOOMINGDALE, IL 60108 | AFLAC | $12 | — | $12 | 0.26% |
| ELIZABETH M GASPAROVIC Filed as: ELIZABETH GASPAROVIC | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $12 | — | $12 | 0.26% |
| LA FREY AND ASSOCIATES INC Filed as: LA FREY AND ASSOCIATES IN | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | AFLAC | $11 | — | $11 | 0.24% |
| MICHAEL A ORTIZ Filed as: MICHAEL ORTIZ | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $6 | — | $6 | 0.13% |
| HEALTH CARE ADMINISTRATORS | 9024 TOWN CENTER PKWY LAKEWOOD RANCH, FL 34202 | AFLAC | $5 | — | $5 | 0.11% |
| TOMMY L JOHNSON JR Filed as: TOMMY JOHNSON JR | 711 S OLIVE ST APT 314 LOS ANGELES, CA 90014 | AFLAC | $4 | — | $4 | 0.09% |
| MARIA NOVOA | 26 COUR D ALENE PALOS HILLS, IL 60465 | AFLAC | $3 | — | $3 | 0.07% |
| CHAD L NELSON Filed as: CHAD NELSON | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $3 | — | $3 | 0.07% |
| GREGORY SHARP | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $2 | — | $2 | 0.04% |
| DENNIS J CASSENS Filed as: DENNIS CASSENS | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $2 | — | $2 | 0.04% |
| STEPHEN KELLS | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $2 | — | $2 | 0.04% |
| BARBIER GROUP INC | 414 N ORLEANS ST STE 601 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.02% |
| JOSHUA J PARISE Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $1 | — | $1 | 0.02% |
| KEMP G PILE Filed as: KEMP PILE | 1525 TIMBERWOOD CT SYCAMORE, IL 60178 | AFLAC | $1 | — | $1 | 0.02% |
| DANIEL TAYLOR | 2170 N LAKE DRIVE APT 6032 COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.02% |
| MARC D BARNES Filed as: MARC BARNES | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $1 | — | $1 | 0.02% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK ST CHICAGO, IL 60654 | HARTFORD LIFE AND ACCIDENT | $313 | $443 | $756 | 36.22% |
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 | 113 | 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. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 287 | $1.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 112 | $8K |
| Vision | UNITED HEALTH CARE INSURANCE COMPANY | 57 | $10K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $77K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $70K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 287 | $1.7M |
| Other(7 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.