| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $33K | — | $33K | 3.96% |
| RESOURCE BROKERAGE LLC3 Filed as: RESOURCE BROKERAGE | — | BLUECROSS BLUESHIELD OF ILLINOIS | $24K | — | $24K | 2.87% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANADENTAL INSURANCE COMPANY | $3K | $1K | $4K | 6.68% |
| HUERTA AND ASSOCIATES INC3 | 9701 SOUTH 78TH AVENUE SUITE 202 HICKORY HILLS, IL 60457 | AFLAC | $3K | $141 | $3K | 9.14% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | AFLAC | $2K | — | $2K | 6.10% |
| JOHANNA PETRONEL LACHENICHT3 | 24452 WEST BOULEVARD DEJOHN NAPERVILLE, IL 60564 | AFLAC | $253 | $187 | $440 | 1.48% |
| WESTERMAYER AND ASSOCIATES LLC3 | 2164 AYLESPORT DRIVE DALLAS, TX 75001 | AFLAC | $433 | — | $433 | 1.45% |
| JEFFREY LYNN LAMBERT3 | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $213 | $55 | $268 | 0.90% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $254 | — | $254 | 0.85% |
| MONICA MASON3 | 3355 WEST 71ST STREET CHICAGO, IL 60629 | AFLAC | $190 | — | $190 | 0.64% |
| EDGAR E PUNTI3 | 3415 NORTH OCONTO AVENUE FLOOR 2 CHICAGO, IL 60634 | AFLAC | $183 | — | $183 | 0.61% |
| ROGERS BENEFIT GROUP INC3 Filed as: JOHN P ROGERS | 824 PORTLAND DRIVE SCHAUMBURG, IL 60194 | AFLAC | $122 | — | $122 | 0.41% |
| MICHAEL I STONESIFER3 | 2305 PHEASANT RUN MELISSA, TX 75454 | AFLAC | $107 | — | $107 | 0.36% |
| JOSHUA J PARISE3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | AFLAC | $59 | — | $59 | 0.20% |
| JUANITA PATTERSON3 | 9701 SOUTH 78TH AVENUE SUITE 202 HICKORY HILLS, IL 60457 | AFLAC | $46 | — | $46 | 0.15% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DRIVE BLOOMINGDALE, IL 60108 | AFLAC | $40 | — | $40 | 0.13% |
| JODY D WINTERS3 | 6014 GIESEKE DRIVE CRYSTAL LAKE, IL 60014 | AFLAC | $37 | — | $37 | 0.12% |
| KIMBERLEY A DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $36 | — | $36 | 0.12% |
| MICHAEL SALVAGGIO3 | 1510 GLEN LAKE ROAD HOFFMAN ESTATES, IL 60169 | AFLAC | $33 | — | $33 | 0.11% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $25 | — | $25 | 0.08% |
| GARY A SPANRAFT3 | 301 ROYAL OAKS BOULEVARD APARTMENT 3115 FRANKLIN, TN 37067 | AFLAC | $21 | — | $21 | 0.07% |
| STEVE C HATHORN3 | 2600 CANTERFIELD PARWAY EAST UNIT 115 WEST DUNDEE, IL 60118 | AFLAC | $20 | — | $20 | 0.07% |
| RICHARD N KOZLOWSKI3 | 39W195 CLIFF DRIVE ELGIN, IL 60124 | AFLAC | $18 | — | $18 | 0.06% |
| JAMES CAPPEL3 | 926 CARRIE AVENUE ROCHELLE, IL 61068 | AFLAC | $17 | — | $17 | 0.06% |
| GARY A SPANRAFT3 | 58 GREENHEDGE CIRCLE DELAWARE, OH 43015 | AFLAC | $12 | — | $12 | 0.04% |
| MICHAEL A ORTIZ3 | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $11 | — | $11 | 0.04% |
| STEPHEN KELLS3 Filed as: STEPHEN N KELLS | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $11 | — | $11 | 0.04% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD BYRON, IL 61010 | AFLAC | $11 | — | $11 | 0.04% |
| 10ACE ENTERPRISES LLC3 | 3768 HAVEN STREET PITTSBURGH, PA 15204 | AFLAC | $10 | — | $10 | 0.03% |
| ELIZABETH M GASPAROVIC3 | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $7 | — | $7 | 0.02% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $6 | — | $6 | 0.02% |
| LEE TENACE3 Filed as: LEE KRISTIAN TENACE | 3766 HAVEN STREET PITTSBURGH, PA 15204 | AFLAC | $5 | — | $5 | 0.02% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $3 | — | $3 | 0.01% |
| GREGORY J SHARP3 | 702 EAST 5TH STREET COAL VALLEY, IL 61240 | AFLAC | $2 | — | $2 | 0.01% |
| ELIZABETH A LENZO3 | 1840 VIA DEL REY SOUTH PASADENA, CA 91030 | AFLAC | $2 | — | $2 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANA INSURANCE COMPANY | $3K | $306 | $3K | 12.89% |
| D D & A INC DBA DAVID DANZIG & ASSO3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| EUCLID INSURANCE SERVICES INC3 Filed as: EUCLID INSURANCE SERVICES | 234 SPRING LAKE DRIVE ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $300 | $300 | 1.25% |
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 | 174 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 175 | $861K |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 126 | $88K |
| Vision | HUMANA INSURANCE COMPANY | 175 | $27K |
| Life insurance | HUMANA INSURANCE COMPANY | 175 | $27K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 60 | $24K |
| Other(3 contracts, 3 carriers) | AFLAC | 185 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.