| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASK BENEFIT SOLUTIONS INC3 Filed as: ASK BENEFIT SOLUTIONS INC. | 1606 WILLOW VIEW ROAD, SUITE 1R URBANA, IL 61802 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.18% |
| ASK BENEFIT SOLUTIONS INC3 Filed as: ASK BENEFIT SOLUTIONS INC. | 2511 SCOVILL CIRCLE URBANA, IL 61801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.79% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS INC. | 108 HESSEL BOULEVARD CHAMPAIGN, IL 61622 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $302 | $0 | $302 | 1.56% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $192 | $0 | $192 | 0.99% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY D. BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.28% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $12 | $41 | 0.21% |
| ROBERT WOODARD3 | 101 BOBWHITE DRIVE WEBB CITY, MO 64870 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| JOE GORDON3 | 5417 WINTHROP AVENUE INDIANAPOLIS, IN 46220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $72 | $0 | $72 | 3.13% |
| USI INSURANCE SERVICES LLC3 | 2107 SOUTH NEIL STREET, SUITE A CHAMPAIGN, IL 61820 | AFLAC | $52 | $0 | $52 | 2.26% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 13435 SOUTH MCCALL ROAD, UNIT 16 PORT CHARLOTTE, FL 33981 | AFLAC | $52 | $0 | $52 | 2.26% |
| MJ INSURANCE3 Filed as: JAMES SAVAGE AND VARIOUS AGENTS | 574 TEAL LANE TRAVERSE CITY, MI 49686 | AFLAC | $27 | $0 | $27 | 1.17% |
| EDWARD AYERS3 | 817 BALBOA ROAD CHAMPAIGN, IL 61820 | AFLAC | $17 | $0 | $17 | 0.74% |
| HARRY HOAGLAND3 | 604 NORTH NEW STREET CHAMPAIGN, IL 61820 | AFLAC | $17 | $0 | $17 | 0.74% |
| RUSSELL THOMAS3 | 2701 HERITAGE DRIVE CHAMPAIGN, IL 61822 | AFLAC | $11 | $0 | $11 | 0.48% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS INC. | 108 HESSEL BOULEVARD, SUITE 202 CHAMPAIGN, IL 61820 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $104 | $0 | $104 | 10.04% |
| WESLEY D. AMORE3 | 3676 TUPELO ROAD VALDOSTA, GA 31605 | AFLAC | $40 | $0 | $40 | 5.87% |
| HARRY HOAGLAND3 | 604 NORTH NEW STREET CHAMPAIGN, IL 61820 | AFLAC | $23 | $0 | $23 | 3.38% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 13435 SOUTH MCCALL ROAD, UNIT 16 PORT CHARLOTTE, FL 33981 | AFLAC | $14 | $0 | $14 | 2.06% |
| ELAINE A WRINKLE3 Filed as: ELAINE WRINKLE | 404 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $4 | $0 | $4 | 0.59% |
| JOSEPH FEJES3 | PO BOX 7767 CHAMPAIGN, IL 61826 | AFLAC | $1 | $0 | $1 | 0.15% |
| MISHA PORTER3 | 275 EAST COURT STREET, SUITE 208 KANKAKEE, IL 60901 | AFLAC | $1 | $0 | $1 | 0.15% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $158K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $158K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $178K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $177K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $177K |
| Other(5 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.