| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM W. JOHNSON3 Filed as: WILLIAM W JOHNSON | 187 S SCHUYLER AVE KANKAKEE, IL 60901 | HEALTH ALLIANCE MEDICAL PLANS | $53K | — | $53K | 5.12% |
| CREATIVE MARKETING SOLUTIONS INC3 | 1609 YORKSHIRE DR CHAMPAIGN, IL 618227815 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 10.32% |
| ALISSA SEAMAN-KESLER3 | 2511 SCOVILL CIR URBANA, IL 61801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.34% |
| CREATIVE MKTG SOLUTIONS INC3 | 108 HESSEL BLVD CHAMPAIGN, IL 61622 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | — | $519 | 2.15% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 1.49% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $3 | $96 | 0.40% |
| JOE GORDON3 | 5417 WINTHROP AVE INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $7 | $9 | 0.04% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS, INC. | 1609 YORKSHIRE DR. CHAMPAIGN, IL 618227815 | VISION SERVICE PLAN | $998 | — | $998 | 5.88% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $126 | — | $126 | 3.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 2107 S NEIL ST STE A CHAMPAIGN, IL 61820 | AFLAC | $81 | — | $81 | 2.26% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $75 | — | $75 | 2.09% |
| EDWARD AYERS3 | 817 BALBOA RD CHAMPAIGN, IL 61820 | AFLAC | $50 | — | $50 | 1.40% |
| ALICE GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $26 | — | $26 | 0.73% |
| HARRY HOAGLAND3 | 405 EVANS ST COVINGTON, IN 47932 | AFLAC | $16 | — | $16 | 0.45% |
| GLENN TADLOCK3 | 1461 PINE AVE RANTOUL, IL 61866 | AFLAC | $13 | — | $13 | 0.36% |
| RUSSELL THOMAS3 | 611 E BROADWAY ST TOLONO, IL 61880 | AFLAC | $10 | — | $10 | 0.28% |
| JAMES H RAIRIGH3 Filed as: JAMES SAVAGE | 7159 CHERRYWOOD CT. TRAVERSE CITY, MI 49686 | AFLAC | $10 | — | $10 | 0.28% |
| CREATIVE MARKETING SOLUTIONS INC3 | 1609 YORKSHIRE DR CHAMPAIGN, IL 61822 | AFLAC | $8 | — | $8 | 0.22% |
| CURTIS WHEAT3 | 507 HORSESHOE LN CASEY, IL 62420 | AFLAC | $5 | — | $5 | 0.14% |
| 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 | $1 | — | $1 | 0.03% |
| 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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 213 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 303 | $176K |
| Vision | VISION SERVICE PLAN | 90 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 303 | $176K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 303 | $176K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 303 | $176K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 46 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.