| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS, LLC | UNKNOWN SAVOY, IL 61874 | BLUECROSS BLUESHIELD OF ILLINOIS | $51K | $2K | $53K | 4.13% |
| SEAMAN-KERANS ALISSA3 | 108 HESSEL BOULEVARD, SUITE 202 CHAMPAIGN, IL 61820 | KANSAS CITY LIFE INSURANCE COMPANY | $16K | — | $16K | 11.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF INDIANA, LLC | UNKNOWN SAVOY, IL 61874 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.32% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY D. BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.55% |
| ASK BENEFIT SOLUTIONS INC3 Filed as: ASK BENEFIT SOLUTIONS, INC. | 2511 SCOVILL CIRCLE URBANA, IL 61801 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.06% |
| WARE GROUP GENERAL AGENCIES3 | UNKNOWN SAVOY, IL 61874 | ASSURITY LIFE INSURANCE COMPANY | $47 | — | $47 | 0.29% |
| MICHAEL PETERS & ASSOCIATES, INC.3 | UNKNOWN SAVOY, IL 61874 | ASSURITY LIFE INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| UNKNOWN3 | UNKNOWN SAVOY, IL 61874 | CINCINNATI LIFE INSURANCE COMPANY | $263 | $0 | $263 | 1.66% |
| ASK BENEFIT SOLUTIONS INC3 Filed as: ASK BENEFIT SOLUTIONS, INC. | 2511 SCOVILL CIRCLE URBANA, IL 61801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 3.38% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS, INC. | 108 HESSEL BOULEVARD CHAMPAIGN, IL 61622 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 1.27% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.40% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY D. BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.24% |
| AMANDA NICOLE LAUTS3 | 103 NORTH BAYBERRY COURT BLOOMINGTON, IL 61704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.08% |
| JAMES A SMAARDYK3 Filed as: JAMES A. SMAARDYK | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $13 | $60 | $73 | 13.77% |
| WESLEY D. AMORE3 | 241 PEBBLE SPRINGS DRIVE TAYLORS, SC 29687 | AFLAC | $37 | $0 | $37 | 6.98% |
| DWIGHT GOSSETT3 Filed as: DWIGHT D. GOSSETT | 13070 ABRAHAM RUN CARMEL, IN 46033 | AFLAC | $10 | $0 | $10 | 1.97% |
| JAMES H RAIRIGH3 Filed as: JAMES L. SAVAGE | 574 TEAL LANE TRAVERSE CITY, MI 49686 | AFLAC | $10 | $0 | $10 | 1.97% |
| JAMES A SMAARDYK3 Filed as: JAMES A. SMAARDYK | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $2 | $0 | $2 | 0.39% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 164 | $1.3M |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 154 | $140K |
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 154 | $140K |
| Life insurance(4 contracts, 4 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 154 | $159K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 154 | $142K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 154 | $142K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 164 | $1.3M |
| Other(5 contracts, 4 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 154 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.