| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES E SCHWERDTFEGER3 Filed as: JAMES SCHWERDTFEGER | PO BOX 194 MT ZION, IL 62549 | AFLAC | $40K | $2K | $42K | 10.52% |
| CONNIE WESCH3 | 22 N PRAIRIEVIEW AVE TUSCOLA, IL 61953 | AFLAC | $11K | $186 | $12K | 2.92% |
| KEITH MCELYEA3 | 328 N STATE ROUTE 121 MT ZION, IL 62549 | AFLAC | $8K | $314 | $9K | 2.19% |
| SHARYL BATHE3 | 620 ODD FELLOW RD MATTOON, IL 61938 | AFLAC | $7K | $439 | $8K | 1.93% |
| LINDA WHEAT3 | 507 HORSESHOE LN CASEY, IL 62420 | AFLAC | $4K | $109 | $4K | 1.05% |
| CHERYL A. FLOOD3 Filed as: CHERYL FLOOD | PO BOX 83 MONTROSE, IL 62445 | AFLAC | $3K | $80 | $3K | 0.80% |
| KIMBERLY S. ECKERTY3 Filed as: KIMBERLY ECKERTY | 503 N 25TH ST CASEY, IL 62420 | AFLAC | $3K | $128 | $3K | 0.71% |
| TRAVIS COCKBURN3 | 402 N MAIN ST BENTON, IL 62812 | AFLAC | $1K | $436 | $2K | 0.46% |
| REBECCA M. HARRIS3 Filed as: REBECCA HARRIS | 8788 N 775TH ST ALTAMONT, IL 62411 | AFLAC | $1K | $16 | $1K | 0.37% |
| GEORGE P OWENS3 Filed as: GEORGE OWENS | 653 N ANTLER DR MT ZION, IL 62549 | AFLAC | $1K | $0 | $1K | 0.25% |
| MARK L RHODES3 Filed as: MARK RHODES | 133A SOUTH MAIN ST MORTON, IL 61550 | AFLAC | $973 | $0 | $973 | 0.24% |
| CHARLA FISCHBACH3 | PO BOX 648 SHELBYVILLE, IL 62565 | AFLAC | $856 | $0 | $856 | 0.21% |
| JEFFERY ZIEGLER3 | 39 GREENRIDGE DR DECATUR, IL 62526 | AFLAC | $823 | $0 | $823 | 0.21% |
| GARY W WARE JR3 Filed as: GARY WARE JR | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $569 | $0 | $569 | 0.14% |
| GARY W JOHNSON3 Filed as: GARY JOHNSON | 123 CENTER PARK DR, STE 102 KNOXVILLE, TN 37922 | AFLAC | $529 | $0 | $529 | 0.13% |
| CURTIS WHEAT3 | 507 HORSESHOE LN CASEY, IL 62420 | AFLAC | $528 | $0 | $528 | 0.13% |
| TERRY SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $523 | $0 | $523 | 0.13% |
| KITTE L ALLEN3 Filed as: KITTE ALLEN | 678 WALNUT WOODS DR GREENWOOD, IN 46142 | AFLAC | $478 | $0 | $478 | 0.12% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY, STE 210 BRENTWOOD, TN 37027 | AFLAC | $422 | $0 | $422 | 0.11% |
| TERRANCE BRENNAN3 | 2207 BENJAMIN LN BLOOMINGTON, IL 61701 | AFLAC | $355 | $0 | $355 | 0.09% |
| CHRISTOPER CORDON3 | 1080 BLACKHAWK DR ELGIN, IL 60120 | AFLAC | $299 | $0 | $299 | 0.07% |
| CHRISTOPER SKEETERS3 | 808 N BRUNS LN SPRINGFIELD, IL 62702 | AFLAC | $277 | $0 | $277 | 0.07% |
| JORDAN FUNK3 | 917 COUNTY RD 100 N THOMPSONVILLE, IL 62890 | AFLAC | $267 | $0 | $267 | 0.07% |
| JOSEPH CINKOVICH3 | 702 EDDY RD BLOOMINGTON, IL 61704 | AFLAC | $250 | $0 | $250 | 0.06% |
| KAREN STONE3 | 567 LAKE SCENE DR EDDYVILLE, KY 42038 | AFLAC | $220 | $14 | $234 | 0.06% |
| KRISTEN HORN3 | 11037 BROADWAY, STE C CROWN POINT, IN 46307 | AFLAC | $157 | $59 | $216 | 0.05% |
| ROBERT BROCK3 | PO BOX 17 FORSYTH, IL 62535 | AFLAC | $212 | $0 | $212 | 0.05% |
| DIANN KRZCIOK3 | 2682 GRAND FORKS RD HENDERSON, NV 89052 | AFLAC | $211 | $0 | $211 | 0.05% |
| JASON HOFFARD3 | 3415 OFFICE PARK DR, STE C MARION, IL 62959 | AFLAC | $207 | $0 | $207 | 0.05% |
| MICHAEL RAY ROBINS3 Filed as: MICHAEL ROBINS | 3909 SUNDEW CT PLANO, TX 75093 | AFLAC | $173 | $32 | $205 | 0.05% |
| ASHLEY SHAW LLC3 | 603 E WASHINGTON ST, STE 100 INDIANAPOLIS, IN 46204 | AFLAC | $182 | $12 | $194 | 0.05% |
| HANA M MUELLER3 Filed as: HANA MUELLER | PO BOX 283 STANFORD, IL 61774 | AFLAC | $189 | $0 | $189 | 0.05% |
| ELIZABETH BILISOLY3 | 1405 WRAY RD STONEVILLE, NC 27048 | AFLAC | $142 | $0 | $142 | 0.04% |
| REBEKAH ADAMS3 | 11050 SW 62ND CT OCALA, FL 34476 | AFLAC | $123 | $0 | $123 | 0.03% |
| TIMOTHY PATTON3 | 966 STEVENS CREEK CIR FORSYTH, IL 62535 | AFLAC | $122 | $0 | $122 | 0.03% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER RD NORTH FREEDOM, WI 53951 | AFLAC | $108 | $12 | $120 | 0.03% |
| PETERS, SABINA3 Filed as: P PETERS | 500 RIDGECREST DR PUNTA GORDA, FL 33982 | AFLAC | $118 | $0 | $118 | 0.03% |
| ROBERT JONES3 | 69 SOUTHLAND DR DECATUR, IL 62521 | AFLAC | $115 | $0 | $115 | 0.03% |
| FREDRICK EITEL3 | 602 N 8TH ST MARSHALL, IL 62441 | AFLAC | $102 | $0 | $102 | 0.03% |
| KANSAS DAWN RAY3 Filed as: KANSAS RAY | 1695 WOLF HOLLOW RD MANITOU, KY 42436 | AFLAC | $89 | $10 | $99 | 0.02% |
| MELISSA MALONEY3 | 3924 TRAILWAY DR CHAMPAIGN, IL 61822 | AFLAC | $87 | $0 | $87 | 0.02% |
| CANDICE K PHILLIPS3 Filed as: CANDICE PHILLIPS | PO BOX 846 MADISONVILLE, KY 42431 | AFLAC | $64 | $21 | $85 | 0.02% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 216 MAITLAND AVE MAITLAND, FL 32701 | AFLAC | $77 | $0 | $77 | 0.02% |
| CONNIE BIRCH3 | 3240 SHOUSE CHAPEL RD LOUISVILLE, IL 62858 | AFLAC | $73 | $0 | $73 | 0.02% |
| CHRISTINE L BREWSTER3 Filed as: CHRISTINE BREWSTER | 1312 FARLEY LN CHAMPAIGN, IL 61822 | AFLAC | $68 | $0 | $68 | 0.02% |
| ADRIENNE SHOEMAKER3 | 1501 E GRAND AVE SAINT JOSEPH, IL 61873 | AFLAC | $68 | $0 | $68 | 0.02% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK LAIRD | 222 KENTUCKY AVE, STE 3 PADUCAH, KY 42003 | AFLAC | $50 | $10 | $60 | 0.02% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 14601 BROOKVIEW DR URBANDALE, IA 50323 | AFLAC | $47 | $0 | $47 | 0.01% |
| NORMA YELENICK-DILLMAN3 | 22114 N 900TH ST METCALF, IL 61940 | AFLAC | $46 | $0 | $46 | 0.01% |
| LESTER D PARK3 Filed as: LESTER PARK | 203 CLEARMEADOW DR COLUMBIA, SC 29229 | AFLAC | $44 | $0 | $44 | 0.01% |
| CHRISTIAN WOMACK3 | 32960 N THREE OAKS LN LIBERTYVILLE, IL 60048 | AFLAC | $42 | $0 | $42 | 0.01% |
| R WRIGHT3 | 9200 SHELBYVILLE RD, STE 605 LOUISVILLE, KY 40222 | AFLAC | $27 | $10 | $37 | 0.01% |
| DEBORAH ROBERTS3 | 1676 TRI COUNTY HWY WILLIAMSBURG, OH 45176 | AFLAC | $34 | $0 | $34 | 0.01% |
| HEATHER HEIL3 | 53 BROOKSIDE DR, APT D CLIFTON, NJ 07012 | AFLAC | $32 | $0 | $32 | 0.01% |
| CARRIE EDWARDS3 | 121 S JACQUES ST ARCOLA, IL 61910 | AFLAC | $31 | $0 | $31 | 0.01% |
| MARTHA CUSHMAN3 | 21 OHIO DRIVE DECATUR, IL 62526 | AFLAC | $30 | $0 | $30 | 0.01% |
| GREGORY BRIGHTMAN3 | 5589 CYPRESS CT WESTERVILLE, OH 43082 | AFLAC | $24 | $0 | $24 | 0.01% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE & ASSOC | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $10 | $12 | $22 | 0.01% |
| KENNETH KOEBELE3 | 5364 E 1400TH AVE WHEELER, IL 62479 | AFLAC | $19 | $0 | $19 | 0.00% |
| CHRIS C MAST3 Filed as: CHRIS MAST | 225 WESTBROOK DR SPRINGFIELD, IL 62702 | AFLAC | $18 | $0 | $18 | 0.00% |
| DENNIS ALOIA3 | 500 CHESTNUT WALK CANTON, GA 30114 | AFLAC | $14 | $0 | $14 | 0.00% |
| DIANA JACKSON3 | 325 LINDEN LN MATTOON, IL 61938 | AFLAC | $10 | $0 | $10 | 0.00% |
| JEFFREY TAYLOR3 | 820 WHITE OAK DR NEWNAN, GA 30265 | AFLAC | $10 | $0 | $10 | 0.00% |
| D AND D AGENCY3 | PO BOX 282 CASEY, IL 62420 | AFLAC | $10 | $0 | $10 | 0.00% |
| SHERRI L BASHORE3 Filed as: SHERRI BASHORE | PO BOX 40327 NASHVILLE, TN 37204 | AFLAC | $9 | $0 | $9 | 0.00% |
| GREGORY DALE3 | 660 MCWHORTER RD STEPHENS, GA 30667 | AFLAC | $9 | $0 | $9 | 0.00% |
| JOHN MANN JR3 | 3417 HICKORY WOODS TRL MARIETTA, GA 30066 | AFLAC | $6 | $0 | $6 | 0.00% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $5 | $0 | $5 | 0.00% |
| THOMAS W ELDER3 | 403 S WORTH, PO BOX 654 SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 15.00% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 E DECATUR ST DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $9K | 18.38% |
| MARC ALAN HOLLABAUGH3 Filed as: MARC A HOLLABAUGH | 6701 W 64TH ST, STE 312 OVERLAND PARK, KS 66202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $103 | $3K | 12.45% |
| THOMAS W ELDER3 | 403 S WORTH, PO BOX 654 SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.00% |
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 | 509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HM LIFE INSURANCE COMPANY | 533 | $290K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 644 | $74K |
| Short-term disability | AFLAC | 597 | $399K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 558 | $112K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 533 | $290K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 644 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.