| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS LLC | UNKNOWN SAVOY, IL 61874 | BLUECROSS BLUESHIELD OF ILLINOIS | $47K | $5K | $52K | 4.38% |
| ASK BENEFIT SOLUTIONS INC3 | 1606 WILLOW VIEW ROAD, SUITE 1R URBANA, IL 61802 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.25% |
| ASK BENEFIT SOLUTIONS INC3 | 1606 WILLOW VIEW ROAD, SUITE 1R URBANA, IL 61802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 14.99% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS | 9405 BORMET DRIVE, SUITE 3 MOKENA, IL 60448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.01% |
| ASK BENEFIT SOLUTIONS INC3 | 2511 SCOVILL CIRCLE URBANA, IL 61801 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 22.38% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.56% |
| ASK BENEFIT SOLUTIONS INC3 | 2511 SCOVILL CIRCLE URBANA, IL 61801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $0 | $281 | 8.68% |
| CREATIVE MARKETING SOLUTIONS INC3 | 108 HESSEL BOULEVARD, SUITE 202 CHAMPAIGN, IL 61820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 1.30% |
| AMANDA NICOLE LAUTS3 Filed as: AMANDA LAUTS | 103 NORTH BAYBERRY COURT BLOOMINGTON, IL 61704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.68% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.53% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.22% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $27 | $0 | $27 | 3.76% |
| JAMES H RAIRIGH3 Filed as: JAMES SAVAGE | 574 TEAL LANE TRAVERSE CITY, MI 49686 | AFLAC | $10 | $0 | $10 | 1.39% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $7 | $0 | $7 | 0.97% |
| CREATIVE MARKETING SOLUTIONS INC3 | 108 HESSEL BOULEVARD, SUITE 202 CHAMPAIGN, IL 61820 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 10.03% |
| WESLEY D. AMORE3 Filed as: WESLEY AMORE | 241 PEBBLE SPRINGS DRIVE TAYLORS, SC 29687 | AFLAC | $37 | $0 | $37 | 6.76% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $13 | $0 | $13 | 2.38% |
| MJ INSURANCE3 Filed as: ELAINE WRINKLE AND VARIOUS AGENTS | 404 TICKSEED AVENUE SAVOY, IL 61874 | AFLAC | $1 | $0 | $1 | 0.18% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 157 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $76K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $76K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $78K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $77K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $77K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 157 | $1.2M |
| Other(6 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.