| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC. | 1900 E. GOLF RD STE 650 SCHAUMBURG, IL 60173 | HARTFORD LIFE AND ACCIDENT | $108K | $2K | $111K | 11.66% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS & P INSURANCE SERVICES INC. | 1900 E. GOLF ROAD SUITE 650 SCHAUMBURG, IL 601735031 | VISION SERVICE PLAN | $2K | — | $2K | 4.17% |
| GTS INC3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $2K | — | $2K | 4.90% |
| SCOTT LYDEN3 Filed as: SCOTT F LYDEN | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $2K | $40 | $2K | 4.24% |
| MICHELLE L FODREY3 | 332 S GRACE STREET LOMBARD, IL 60148 | AFLAC | $670 | $9 | $679 | 1.80% |
| OVERBECK INSURANCE SERVICES3 | 1033 SOUTH BLVD OAK PARK, IL 60302 | AFLAC | $183 | $9 | $192 | 0.51% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB ROGAL & HOBBS OF CHICAGO, INC | 333 E BUTTERFIELD ROAD LOMBARD, IL 60148 | AFLAC | $191 | — | $191 | 0.51% |
| SHERRY L LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $189 | — | $189 | 0.50% |
| JILLIAN M OVERBECK3 | 1033 SOUTH BLVD OAK PARK, IL 60302 | AFLAC | $187 | — | $187 | 0.50% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC | 1900 E GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | AFLAC | $180 | — | $180 | 0.48% |
| FRANK L LINDSEY3 | 5S701 RIDGEVIEW LANE NAPERVILLE, IL 60504 | AFLAC | $117 | — | $117 | 0.31% |
| CHAD L NELSON3 | 5266 N KUFALK LANE BYRON, IL 61010 | AFLAC | $114 | — | $114 | 0.30% |
| DANIEL E ELLIS3 | 313 N KENILWORTH AVE OAK PARK, IL 60302 | AFLAC | $82 | — | $82 | 0.22% |
| JOSHUA J PARISE3 | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $66 | — | $66 | 0.18% |
| LYNETTE R STEVENS3 | 303 N 3RD STREET WYOMING, IL 61491 | AFLAC | $52 | — | $52 | 0.14% |
| MARC P TRANSPARENTI3 | 4915 TILA ROAD PARKVILLE, MD 21234 | AFLAC | $50 | — | $50 | 0.13% |
| H J SAMAAN INC3 Filed as: H J SAMAAN INC. | 477 E BUTTERFIELD ROAD-STE 206 LOMBARD, IL 60148 | AFLAC | $39 | — | $39 | 0.10% |
| THE HORTON GROUP3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | AFLAC | $28 | — | $28 | 0.07% |
| DEVIN PEGRAM BALL3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | AFLAC | $21 | — | $21 | 0.06% |
| TAMI SPENCE3 | 2 PINE VALLEY ROAD ROLLING MEADOWS, IL 60008 | AFLAC | $15 | — | $15 | 0.04% |
| TOMMY L JOHNSON JR3 | 711 S OLIVE ST -APT 314 LOS ANGELES, CA 90014 | AFLAC | $10 | — | $10 | 0.03% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH STREET PALATINE, IL 60067 | AFLAC | $10 | — | $10 | 0.03% |
| KEMP G PILE3 | 1525 TIMBERWOOD COURT SYCAMORE, IL 60178 | AFLAC | $9 | — | $9 | 0.02% |
| KASSANDRA R PERSONETT3 | 2513 CARLISLE LANE HAMPSHIRE, IL 60140 | AFLAC | $8 | — | $8 | 0.02% |
| DON J CONOYER3 | 119 OAKSHIRE DRIVE W GLEN CARBON, IL 62034 | AFLAC | $8 | — | $8 | 0.02% |
| STEPHEN KELLS3 | 1026 BALDWIN LANE OAK PARK, IL 60302 | AFLAC | $8 | — | $8 | 0.02% |
| MAUREEN A HARKER3 | 3803 HILLCREST PLACE JOHNSBURG, IL 60051 | AFLAC | $7 | — | $7 | 0.02% |
| DENNIS J CASSENS3 | 4646 E MARRILL ROAD BYRON, IL 61010 | AFLAC | $7 | — | $7 | 0.02% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AUTORA, IL 60504 | AFLAC | $6 | — | $6 | 0.02% |
| DANIEL J TAYLOR3 | 2170 N LAKE DRIVE - APT 6032 COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.00% |
| MARC D BARNES3 | 148 FOSSIL LAKE COURT WILMINGTON, IL 60481 | AFLAC | $1 | — | $1 | 0.00% |
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 | 455 | 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) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 384 | $38K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 455 | $950K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 455 | $988K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 455 | $950K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 455 | $988K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.