| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS | 1609 YORKSHIRE DR CHAMPAIGN, IL 61822 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $2K | $18K | 12.66% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS, INC | 1609 YORKSHIRE DR CHAMPAIGN, IL 61820 | FIDELITY SECURITY LIFE | $8K | — | $8K | 15.00% |
| ALISSA SEAMAN-KESLER3 | 2511 SCOVILL CIRCLE URBANA, IL 61801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 4.95% |
| CREATIVE MKTG SOLUTIONS INC3 | 108 HESSEL BLVD CHAMPAIGN, IL 61622 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | — | $495 | 1.79% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $430 | $1 | $431 | 1.56% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $1 | $104 | 0.38% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS, INC. | 108 HESSELL BLVD STE 202 CHAMPAIGN, IL 61820 | VISION SERVICE PLAN | $921 | — | $921 | 6.22% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $110 | — | $110 | 2.74% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $74 | — | $74 | 1.84% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE USA INC | 2107 SOUTH NEIL ST CHAMPAIGN, IL 61820 | AFLAC | $67 | — | $67 | 1.67% |
| EDWARD AYERS3 | 817 BALBOA RD CHAMPAIGN, IL 61820 | AFLAC | $41 | — | $41 | 1.02% |
| ELAINE A WRINKLE3 Filed as: ELAINE A. WRINKLE | 404 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $35 | — | $35 | 0.87% |
| WESLEY D. AMORE3 | 3675 TUPELO RD VALDOSTA, GA 31605 | AFLAC | $31 | — | $31 | 0.77% |
| HARRY HOAGLAND3 | 405 EVANS ST COVINGTON, IN 47932 | AFLAC | $30 | — | $30 | 0.75% |
| ALICE GOSSETT3 | 13070 ABRAHAN RUN CARMEL, IN 46033 | AFLAC | $22 | — | $22 | 0.55% |
| GLENN TADLOCK3 | 1461 PINE AVE RANTOUL, IL 61866 | AFLAC | $11 | — | $11 | 0.27% |
| RUSSELL THOMAS3 | 800 W CHURCH ST APT 1 CHAMPAIGN, IL 61820 | AFLAC | $8 | — | $8 | 0.20% |
| JAMES H RAIRIGH3 Filed as: JAMES L. SAVAGE | 7159 CHERRYWOOD CT TRAVERSE CITY, MI 49686 | AFLAC | $8 | — | $8 | 0.20% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS | 1609 YORKSHIRE DR CHAMPAIGN, IL 61822 | AFLAC | $7 | — | $7 | 0.17% |
| DAVID M CRUMLEY3 Filed as: DAVID M. CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $6 | — | $6 | 0.15% |
| CURTIS WHEAT3 | 11145 N FRIENDSHIP RD MARTINSVILLE, IL 62442 | AFLAC | $4 | — | $4 | 0.10% |
| WILLIAM B KRZCIOK3 Filed as: WILLIAM KRZCIOK | 2760 FORT MEYER AVE HENDERSON, NV 89052 | AFLAC | $2 | — | $2 | 0.05% |
| DAVID M CRUMLEY3 Filed as: DAVID M. CRUMLEY | 101 GILLESPIE DR APT 8204 FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.05% |
| GARY W WARE JR3 Filed as: GARY W. WARE JR | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $2 | — | $2 | 0.05% |
| JOSEPH FEJES3 | P.O. BOX 7767 CHAMPAIGN, IL 61826 | AFLAC | $2 | — | $2 | 0.05% |
| MISHA PORTER3 Filed as: MISHA D. PORTER | 275 E. COURT ST SUITE 208 KANKAKEE, IL 60901 | AFLAC | $2 | — | $2 | 0.05% |
| TERRY J SILVERS3 Filed as: TERRY J. SILVERS | 100 GREENLEAF DR FLAT ROCK, TN 28731 | AFLAC | $1 | — | $1 | 0.02% |
| CREATIVE MARKETING SOLUTIONS INC3 | 108 HESSEL BLVD STE 202 CHAMPAIGN, IL 61820 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 10.02% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE | 12 | $51K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $142K |
| Vision | VISION SERVICE PLAN | 79 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $142K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $142K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $142K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 50 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.