| 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 | $54K | — | $54K | 4.62% |
| CREATIVE MARKETING SOLUTIONS INC3 | 1609 YORKSHIRE DR CHAMPAIGN, IL 618227815 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 9.90% |
| ASK BENEFIT SOLUTIONS INC3 | 2511 SCOVILL CIR URBANA, IL 61801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $861 | $8 | $869 | 3.79% |
| CREATIVE MKTG SOLUTIONS INC3 | 108 HESSEL BLVD CHAMPAIGN, IL 61622 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $506 | — | $506 | 2.21% |
| ALISSA SEAMAN-KESLER3 | 2511 SCOVILL CIR URBANA, IL 61801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 1.52% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | — | $326 | 1.42% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 0.29% |
| JOE GORDON3 | 5417 WINTHROP AVE INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $21 | $39 | 0.17% |
| ROBERT WOODARD3 | 1476 E CR 800 NORTH TUSCOLA, IL 61953 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $22 | $29 | 0.13% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $3 | $4 | 0.02% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS, INC. | 1609 YORKSHIRE DR. CHAMPAIGN, IL 618227815 | VISION SERVICE PLAN | $979 | — | $979 | 5.43% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $89 | — | $89 | 3.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 2107 S NEIL ST STE A CHAMPAIGN, IL 61820 | AFLAC | $54 | — | $54 | 2.19% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $51 | — | $51 | 2.07% |
| EDWARD AYERS3 | 817 BALBOA RD CHAMPAIGN, IL 61820 | AFLAC | $34 | — | $34 | 1.38% |
| ALICE GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $17 | — | $17 | 0.69% |
| HARRY HOAGLAND3 | 405 EVANS ST COVINGTON, IN 47932 | AFLAC | $10 | — | $10 | 0.41% |
| GLENN TADLOCK3 | 1461 PINE AVE RANTOUL, IL 61866 | AFLAC | $10 | — | $10 | 0.41% |
| RUSSELL THOMAS3 | 611 E BROADWAY ST TOLONO, IL 61880 | AFLAC | $7 | — | $7 | 0.28% |
| JAMES H RAIRIGH3 Filed as: JAMES SAVAGE | 574 TEAL LN TRAVERSE CITY, MI 49686 | AFLAC | $6 | — | $6 | 0.24% |
| CREATIVE MARKETING SOLUTIONS INC3 | 1609 YORKSHIRE DR CHAMPAIGN, IL 61822 | AFLAC | $5 | — | $5 | 0.20% |
| CURTIS WHEAT3 | 507 HORSESHOE LN CASEY, IL 62420 | AFLAC | $4 | — | $4 | 0.16% |
| WILLIAM B KRZCIOK3 Filed as: WILLIAM KRZCIOK | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $1 | — | $1 | 0.04% |
| JAMES M BROCK3 Filed as: JAMES BROCK | 301 W BROADWAY BLVD JOHNSTON CITY, IL 62951 | AFLAC | $1 | — | $1 | 0.04% |
| CREATIVE MARKETING SOLUTIONS INC3 | 108 HESSEL BLVD STE 202 CHAMPAIGN, IL 61820 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 10.02% |
| WESLEY D. AMORE3 Filed as: WESLEY D AMORE | 3676 TUPELO RD VALDOSTA, GA 31605 | AFLAC | $40 | — | $40 | 5.87% |
| HARRY HOAGLAND3 | 405 EVANS ST COVINGTON, IN 47932 | AFLAC | $23 | — | $23 | 3.38% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LN TWIN LAKE, MI 49457 | AFLAC | $14 | — | $14 | 2.06% |
| ELAINE A WRINKLE3 Filed as: ELAINE WRINKLE | 404 TICKSEED AVE SAVOY, IL 61874 | AFLAC | $5 | — | $5 | 0.73% |
| JOSEPH FEJES3 | PO BOX 7767 CHAMPAIGN, IL 61826 | AFLAC | $2 | — | $2 | 0.29% |
| MISHA PORTER3 | 275 E COURT ST STE 208 KANKAKEE, IL 60901 | AFLAC | $1 | — | $1 | 0.15% |
| TERRY SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $0 | — | $0 | 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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE MEDICAL PLANS | 227 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 313 | $179K |
| Vision | VISION SERVICE PLAN | 100 | $18K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 313 | $180K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 313 | $179K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 313 | $179K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 45 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.