| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK ST STE 1100 CHICAGO, IL 60654 | HCSC | $69K | $3K | $72K | 4.04% |
| ETHAN GREER4 | 325 CHEROKEE BLVD STE 102 CHATTANOOGA, TN 37405 | AFLAC | $4K | $802 | $5K | 11.42% |
| THW INSURANCE SERVICES LLC4 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $2K | $0 | $2K | 4.64% |
| TIMOTHY CHAPPELL4 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $1K | $481 | $2K | 3.82% |
| KELSEY EVERT4 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $964 | $225 | $1K | 2.75% |
| CHRISTOPHER HAGER4 Filed as: CHRISTOPHER WHEELER | 325 CHEROKEE BLVD STE 102 CHATTANOOGA, TN 37405 | AFLAC | $139 | $70 | $209 | 0.48% |
| KEN KRAVITZ4 | 8841 S 84TH CT HICKORY HILLS, IL 60457 | AFLAC | $133 | $0 | $133 | 0.31% |
| THOMAS WILLIAMSON4 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $95 | $0 | $95 | 0.22% |
| TODD DEVOSS4 | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $88 | — | $88 | 0.20% |
| KIRK HASKINS4 | 1043 N NARCISSUS AVE BROKEN ARROW, OK 74012 | AFLAC | $73 | $0 | $73 | 0.17% |
| MESIROW INSURANCE SERVICES INC4 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK ST CHICAGO, IL 60654 | AFLAC | $54 | $0 | $54 | 0.12% |
| JAMES C FARMER JR4 Filed as: JAMES FAMER JR | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $52 | $0 | $52 | 0.12% |
| RICK R THORNE4 Filed as: RICK THORNE | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $50 | $0 | $50 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 44TH ST SW GRANDVILLE, MI 49418 | AFLAC | $36 | $0 | $36 | 0.08% |
| GLEN E TWAITS4 Filed as: GLEN TWAITS | 2006 DOUBLE EAGLE DR MISSION, TX 78572 | AFLAC | $35 | $0 | $35 | 0.08% |
| ELIZABETH M GASPAROVIC4 Filed as: ELIZABETH GASPAROVIC | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $29 | $0 | $29 | 0.07% |
| LESLIE H SILTMAN4 Filed as: LESLIE SILTMAN | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | $28 | $0 | $28 | 0.06% |
| GTS INC4 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $27 | $0 | $27 | 0.06% |
| JAIME HUTTON4 | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $23 | $0 | $23 | 0.05% |
| BARBIER GROUP INC4 | 414 N ORLEANS ST STE 601 CHICAGO, IL 60654 | AFLAC | $23 | $0 | $23 | 0.05% |
| DAVID M CRUMLEY4 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $19 | $0 | $19 | 0.04% |
| THOMAS A JAHR4 | 17328 LINDA VISTA CIR LUTZ, FL 33548 | AFLAC | $16 | $0 | $16 | 0.04% |
| LA FREY AND ASSOCIATES INC4 | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | AFLAC | $14 | $0 | $14 | 0.03% |
| GARY W LOVELL4 Filed as: GARY LOVELL | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $14 | $0 | $14 | 0.03% |
| H J SAMAAN INC4 | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $12 | $0 | $12 | 0.03% |
| GLEN T SCHWEIKERT4 Filed as: GLEN SCHWEIKERT | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $11 | $0 | $11 | 0.03% |
| SHERRI L BASHORE Filed as: SHERRI BASHORE | 6949 CHARLOTTE PIKE STE 105 NASHVILLE, TN 37209 | AFLAC | $8 | — | $8 | 0.02% |
| RONALD A DASHKOVITZ4 Filed as: RONALD DASHKOVITZ | 20 MILLPOND TRL SAGINAW, MI 48603 | AFLAC | $8 | $0 | $8 | 0.02% |
| NOLAN MCCUE4 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $6 | $0 | $6 | 0.01% |
| RONALD H RICHEY4 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $5 | $0 | $5 | 0.01% |
| TOMMY L JOHNSON JR4 Filed as: TOMMY JOHNSON JR | 711 S OLIVE ST APT 314 LOS ANGELES, CA 90014 | AFLAC | $5 | $0 | $5 | 0.01% |
| ABBIE W COFFMAN4 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $5 | $0 | $5 | 0.01% |
| GREGORY SHARP4 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $4 | $0 | $4 | 0.01% |
| VBTN, INC4 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | $0 | $4 | 0.01% |
| JAY OLEARY4 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $3 | $0 | $3 | 0.01% |
| TIMOTHY ASBY4 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $2 | $0 | $2 | 0.00% |
| KANDI H HECKLER4 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $2 | $0 | $2 | 0.00% |
| DANIEL TAYLOR4 | 2170 N LAKE DR APT 6032 COLUMBIA, SC 29212 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARC D BARNES4 Filed as: MARC BARNES | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $1 | — | $1 | 0.00% |
| KEMP G PILE4 Filed as: KEMP PILE | 1525 TIMBERWOOD CT SYCAMORE, IL 60178 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOANNA G MATHERLY4 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | $0 | $1 | 0.00% |
| ALAN W MARTIN4 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK ST STE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK ST STE 1100 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| BROWNIE D HALL4 Filed as: BROWNIE HALL | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $356 | — | $356 | 2.26% |
| LESLIE H SILTMAN4 Filed as: LESLIE SILTMAN | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | $306 | — | $306 | 1.94% |
| RICK R THORNE4 Filed as: RICK THORNE | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $256 | — | $256 | 1.62% |
| JAMES C FARMER JR4 Filed as: JAMES FAMER JR | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $227 | — | $227 | 1.44% |
| GARY W LOVELL4 Filed as: GARY LOVELL | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $181 | — | $181 | 1.15% |
| MESIROW INSURANCE SERVICES INC4 Filed as: MESIROW INSURANCE SERVICES | 321 N. CLARK ST CHICAGO, IL 60654 | AFLAC | $89 | — | $89 | 0.56% |
| RONALD H RICHEY4 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $56 | — | $56 | 0.36% |
| KELSEY EVERT4 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $37 | — | $37 | 0.23% |
| JAIME HUTTON4 | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $29 | — | $29 | 0.18% |
| KEN KRAVITZ4 | 8841 S 84TH CT HICKORY HILLS, IL 60457 | AFLAC | $24 | — | $24 | 0.15% |
| DAVID M CRUMLEY4 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $24 | — | $24 | 0.15% |
| ABBIE W COFFMAN4 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $16 | — | $16 | 0.10% |
| RONALD A DASHKOVITZ4 Filed as: RONALD DASHKOVITZ | 20 MILLPOND TRL SAGINAW, MI 48603 | AFLAC | $16 | — | $16 | 0.10% |
| SHERRI L BASHORE4 Filed as: SHERRI BASHORE | 6949 CHARLOTTE PIKE STE 105 NASHVILLE, TN 37209 | AFLAC | $16 | — | $16 | 0.10% |
| MARCIN ZUREK4 | 1010 LAKE ST STE 430 OAK PARK, IL 60301 | AFLAC | $11 | — | $11 | 0.07% |
| NOLAN MCCUE4 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $11 | — | $11 | 0.07% |
| DAVID B RAY4 Filed as: DAVID RAY | 5122 STONEWOOD DR SMYRNA, TN 37167 | AFLAC | $9 | — | $9 | 0.06% |
| BRENT GOODE4 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.04% |
| JOHN T JEWELL4 Filed as: JOHN JEWELL | 2428 AULDRIDGE DR CHRISTIANA, TN 37037 | AFLAC | $5 | — | $5 | 0.03% |
| VBTN, INC4 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $5 | — | $5 | 0.03% |
| JEFFREY LYNN LAMBERT4 Filed as: JEFFREY LAMBERT | 7 CENTER ST HINSDALE, IL 60521 | AFLAC | $5 | — | $5 | 0.03% |
| KANDI H HECKLER4 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $3 | — | $3 | 0.02% |
| JAY OLEARY4 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $3 | — | $3 | 0.02% |
| JOSEPH LEDOUX4 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.01% |
| TIMOTHY ASBY4 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $2 | — | $2 | 0.01% |
| ALAN W MARTIN4 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.01% |
| JOANNA G MATHERLY4 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.01% |
| AUTUMN BETHEA4 | 1053 MUNA CT SPRING HILL, TN 37174 | AFLAC | $1 | — | $1 | 0.01% |
| KEN S KRAVITZ4 | P.O. BOX 1284 BRIDGEVIEW, IL 60455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204 | — | $204 | 1.57% |
| NOLAN D MCCUE4 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 1.22% |
| MARCIN ZUREK4 | 1010 LAKE STREET STE 430 OAK PARK, IL 60301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 1.08% |
| MESIROW INSURANCE SERVICES INC4 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK ST CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 1.02% |
| SHERRI L BASHORE4 | PO BOX 40327 NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | 0.91% |
| KELSEY DAVID EVERT4 Filed as: KELSEY D EVERT | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | $0 | $94 | 0.72% |
| JEFFREY LYNN LAMBERT4 Filed as: JEFFREY L LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.44% |
| VBTN, INC4 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.42% |
| JAMES HUTTON4 | 1020 MONTROSE DRIVE GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.38% |
| TIMOTHY B ASBY4 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.22% |
| THERESA REDDING4 | 71 COUNTRY CLUB DR. BLOOMINGDALE, IL 60108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.12% |
| COURTNEY RYAN YURCZYK4 Filed as: COURTNEY S. YURCZYK | 9616 WYOMING TERRACE SOUTH BLOOMINGTON, MN 55438 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| MICHAEL ROBERT YURCZYK4 Filed as: MICHAEL R YURCZYK | 5810 W. 78TH STREET SUITE 210 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| TREVOR FENNELL4 Filed as: TREVOR R FENNELL | 133 WEST 22ND ST NEW YORK, NY 10011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| MARK D BARBIER4 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| TODD DEVOSS4 | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| ELIZABETH A LENZO4 | 349 E CALIFORNIA BLVD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JOSEPH A NASCA4 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK STE 1100 CHICAGO, IL 60654 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 13.66% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK ST STE 1100 CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $3K | $0 | $3K | 30.24% |
| THORNE HALL & WHITENER INSURANCE3 | 321 W MAIN STREET LEBANON, TN 37087 | MADISON NATIONAL LIFE INSURANCE COMPANY | $991 | $0 | $991 | 18.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $440 | $440 | 7.99% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N. CLARK ST CHICAGO, IL 60654 | FEDERAL INSURANCE COMPANY | $607 | $0 | $607 | 14.99% |
| KEN KRAVITZ4 | 8841 S 84TH CT HICKORY HILLS, IL 60457 | AFLAC | $48 | — | $48 | 2.01% |
| TODD DEVOSS4 | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $36 | — | $36 | 1.50% |
| GLEN E TWAITS4 Filed as: GLEN TWAITS | 2006 DOUBLE EAGLE DR MISSION, TX 78572 | AFLAC | $16 | — | $16 | 0.67% |
| H J SAMAAN INC4 | 19W152 21ST PL LOMBARD, IL 60148 | AFLAC | $12 | — | $12 | 0.50% |
| LA FREY AND ASSOCIATES INC4 | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | AFLAC | $11 | $0 | $11 | 0.46% |
| ELIZABETH M GASPAROVIC4 Filed as: ELIZABETH GASPAROVIC | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $9 | — | $9 | 0.38% |
| HEALTH CARE ADMINISTRATORS4 | 9024 TOWN CENTER PKWY LAKEWOOD RANCH, FL 34202 | AFLAC | $5 | — | $5 | 0.21% |
| MICHAEL A ORTIZ4 Filed as: MICHAEL ORTIZ | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $5 | — | $5 | 0.21% |
| TOMMY L JOHNSON JR4 Filed as: TOMMY JOHNSON JR | 711 S OLIVE ST APT 314 LOS ANGELES, CA 90014 | AFLAC | $3 | — | $3 | 0.13% |
| GREGORY SHARP4 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $2 | — | $2 | 0.08% |
| DANIEL TAYLOR4 | 2170 N LAKE DR APT 6032 COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.04% |
| KEMP G PILE4 Filed as: KEMP PILE | 1525 TIMBERWOOD CT SYCAMORE, IL 60178 | AFLAC | $1 | — | $1 | 0.04% |
| MARC D BARNES4 Filed as: MARC BARNES | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $1 | — | $1 | 0.04% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCSC | 254 | $1.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 113 | $8K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 73 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $47K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $19K |
| Prescription drug | HCSC | 254 | $1.8M |
| Other(8 contracts, 6 carriers) | AFLAC | 117 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.