| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM W. JOHNSON3 Filed as: WILLIAM W JOHNSON | — | HEALTH ALLIANCE MEDICAL PLANS | $48K | — | $48K | 5.38% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS | 1609 YORKSHIRE DR CHAMPAIGN, IL 61822 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 10.77% |
| ALISSA SEAMAN-KESLER3 | 180 HESSEL BLVD CHAMPAIGN, IL 61820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.05% |
| CREATIVE MKTG SOLUTIONS INC3 | 108 HESSEL BLVD CHAMPAIGN, IL 61622 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $499 | — | $499 | 2.00% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | $0 | $363 | 1.45% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 0.38% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS, INC. | 1609 YORKSHIRE DR. CHAMPAIGN, IL 61822 | VISION SERVICE PLAN | $933 | — | $933 | 6.16% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $116 | — | $116 | 3.53% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE USA INC | 2107 S NEIL ST STE A CHAMPAIGN, IL 61820 | AFLAC | $74 | — | $74 | 2.25% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $68 | — | $68 | 2.07% |
| EDWARD AYERS3 | 817 BALBOA RD CHAMPAIGN, IL 61820 | AFLAC | $45 | — | $45 | 1.37% |
| ALICE GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $24 | — | $24 | 0.73% |
| HARRY HOAGLAND3 | 405 EVANS ST COVINGTON, IN 47932 | AFLAC | $14 | — | $14 | 0.43% |
| GLENN TADLOCK3 | 1461 PINE AVE RANTOUL, IL 61866 | AFLAC | $12 | — | $12 | 0.37% |
| RUSSELL THOMAS3 | 611 E BROADWAY ST TOLONO, IL 61880 | AFLAC | $9 | — | $9 | 0.27% |
| JAMES H RAIRIGH3 Filed as: JAMES SAVAGE | 7159 CHERRYWOOD CT. TRAVERSE CITY, MI 49688 | AFLAC | $9 | — | $9 | 0.27% |
| CREATIVE MARKETING SOLUTIONS INC3 | 1609 YORKSHIRE DR CHAMPAIGN, IL 61822 | AFLAC | $7 | — | $7 | 0.21% |
| CURTIS WHEAT3 | 11145 N FRIENDSHIP RD MARTINSVILLE, IL 62442 | AFLAC | $4 | — | $4 | 0.12% |
| WILLIAM B KRZCIOK3 Filed as: WILLIAM KRZCIOK | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $2 | — | $2 | 0.06% |
| JAMES M BROCK3 Filed as: JAMES BROCK | 301 W BROADWAY BLVD JOHNSTON CITY, IL 62951 | AFLAC | $0 | — | $0 | 0.00% |
| 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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 211 | $896K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $155K |
| Vision | VISION SERVICE PLAN | 89 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $155K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $155K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $155K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 45 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.