| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS LLC | 4350 WEAVER PARKWAY WARRENVILLE, IL 605553925 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 3.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS,LLC | 4350 WEAVER PKWY WARRENVILLE, IL 60555 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 5.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DAVID KEENAN AND ASSOCIATES, INC. | 3808 W SPRINGFIELD AVE STE C CHAMPAIGN, IL 61822 | ASSURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 15.95% |
| WARE GROUP GENERAL AGENCIES3 | 3808 W SPRINGFIELD AVE, STE D CHAMPAIGN, IL 61822 | ASSURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 7.75% |
| MICHAEL PETERS & ASSOCIATES, INC.3 | 3808 W SPRINGFIELD AVE CHAMPAIGN, IL 61822 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 2.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS LLC | FOUR WESTBROOK CORPORATE CTR STE 500 WESTCHESTER, IL 60154 | DEARBORN LIFE INSURANCE COMPANY | $627 | $7K | $8K | 44.14% |
| ROBERT W VESTAL3 | PO BOX 1240 DELAND, FL 32721 | AFLAC | $166 | — | $166 | 8.90% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS ILLINOIS, LLC | 4 WESTBROOK CORPORATE CTR STE 500 WESTCHESTER, IL 60154 | AFLAC | $38 | — | $38 | 2.04% |
| MARK I SHIFMAN3 | 6517 DENNY AVE NORTH HOLLYWOOD, CA 91606 | AFLAC | $19 | — | $19 | 1.02% |
| GARY W WARE JR3 Filed as: GARY W WARE, JR. | 3103 MEADOWBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $14 | — | $14 | 0.75% |
| BRIAN R KIMMEL3 | 309 BRAESWICK DR LAKE ST LOUIS, MO 63367 | AFLAC | $3 | — | $3 | 0.16% |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 278 | $217K |
| Vision | HUMANA INSURANCE COMPANY | 278 | $217K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 456 | $300K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 456 | $222K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 456 | $222K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 456 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.