| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES E SCHWERDTFEGER3 Filed as: JAMES SCHWERDTFEGER | PO BOX 194 MT ZION, IL 62549 | AFLAC | $37K | $2K | $38K | 9.18% |
| KEITH MCELYEA3 | 328 N STATE ROUTE 121 MT ZION, IL 62549 | AFLAC | $9K | $505 | $10K | 2.28% |
| CONNIE WESCH3 | 22 N PRAIRIEVIEW AVE TUSCOLA, IL 61953 | AFLAC | $8K | $705 | $8K | 2.02% |
| SHARYL BATHE3 | 620 ODD FELLOW RD MATTOON, IL 61938 | AFLAC | $7K | $599 | $8K | 1.79% |
| LINDA WHEAT3 | 507 HORSESHOE LN CASEY, IL 62420 | AFLAC | $5K | $252 | $6K | 1.34% |
| CHERYL A. FLOOD3 Filed as: CHERYL FLOOD | PO BOX 83 MONTROSE, IL 62445 | AFLAC | $3K | $98 | $3K | 0.78% |
| KIMBERLY S. ECKERTY3 Filed as: KIMBERLY ECKERTY | 503 N 25TH ST CASEY, IL 62420 | AFLAC | $3K | $121 | $3K | 0.74% |
| REBECCA M. HARRIS3 Filed as: REBECCA HARRIS | 8788 N 775TH ST ALTAMONT, IL 62411 | AFLAC | $1K | $20 | $1K | 0.26% |
| GEORGE P OWENS3 Filed as: GEORGE OWENS | 653 N ANTLER DR MT ZION, IL 62549 | AFLAC | $857 | $0 | $857 | 0.20% |
| CHARLA FISCHBACH3 | PO BOX 648 SHELBYVILLE, IL 62565 | AFLAC | $829 | $0 | $829 | 0.20% |
| MARK L RHODES3 Filed as: MARK RHODES | 133A SOUTH MAIN ST MORTON, IL 61550 | AFLAC | $805 | $0 | $805 | 0.19% |
| JEFFERY ZIEGLER3 | 39 GREENRIDGE DR DECATUR, IL 62526 | AFLAC | $788 | $0 | $788 | 0.19% |
| GARY W JOHNSON3 Filed as: GARY JOHNSON | 123 CENTER PARK DR, STE 102 KNOXVILLE, TN 37922 | AFLAC | $501 | $0 | $501 | 0.12% |
| GARY W WARE JR3 Filed as: GARY WARE JR | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $493 | $0 | $493 | 0.12% |
| CURTIS WHEAT3 | 507 HORSESHOE LN CASEY, IL 62420 | AFLAC | $485 | $0 | $485 | 0.12% |
| TERRY SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $456 | $0 | $456 | 0.11% |
| TRAVIS COCKBURN3 | 402 N MAIN ST BENTON, IL 62812 | AFLAC | $420 | $0 | $420 | 0.10% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY, STE 210 BRENTWOOD, TN 37027 | AFLAC | $379 | $0 | $379 | 0.09% |
| TERRANCE BRENNAN3 | 2207 BENJAMIN LN BLOOMINGTON, IL 61701 | AFLAC | $299 | $0 | $299 | 0.07% |
| KITTE L ALLEN3 Filed as: KITTE ALLEN | 678 WALNUT WOODS DR GREENWOOD, IN 46142 | AFLAC | $227 | $45 | $272 | 0.06% |
| JORDAN FUNK3 | 917 COUNTY RD 100 N THOMPSONVILLE, IL 62890 | AFLAC | $238 | $0 | $238 | 0.06% |
| JASON HOFFARD3 | 3415 OFFICE PARK DR, STE C MARION, IL 62959 | AFLAC | $194 | $37 | $231 | 0.06% |
| JOSEPH CINKOVICH3 | 702 EDDY RD BLOOMINGTON, IL 61704 | AFLAC | $216 | $0 | $216 | 0.05% |
| CHRISTOPER SKEETERS3 | 808 N BRUNS LN SPRINGFIELD, IL 62702 | AFLAC | $215 | $0 | $215 | 0.05% |
| DIANN KRZCIOK3 | 2682 GRAND FORKS RD HENDERSON, NV 89052 | AFLAC | $207 | $0 | $207 | 0.05% |
| ROBERT BROCK3 | PO BOX 17 FORSYTH, IL 62535 | AFLAC | $191 | $0 | $191 | 0.05% |
| HANA M MUELLER3 Filed as: HANA MUELLER | PO BOX 283 STANFORD, IL 61774 | AFLAC | $174 | $0 | $174 | 0.04% |
| ASHLEY SHAW LLC3 | 603 E WASHINGTON ST, STE 100 INDIANAPOLIS, IN 46204 | AFLAC | $134 | $9 | $143 | 0.03% |
| ELIZABETH BILISOLY3 | 1405 WRAY RD STONEVILLE, NC 27048 | AFLAC | $130 | $0 | $130 | 0.03% |
| KAREN STONE3 | 567 LAKE SCENE DR EDDYVILLE, KY 42038 | AFLAC | $126 | $0 | $126 | 0.03% |
| CHRISTOPER CORDON3 | 1080 BLACKHAWK DR ELGIN, IL 60120 | AFLAC | $89 | $35 | $124 | 0.03% |
| TIMOTHY PATTON3 | 966 STEVENS CREEK CIR FORSYTH, IL 62535 | AFLAC | $117 | $0 | $117 | 0.03% |
| ROBERT JONES3 | 69 SOUTHLAND DR DECATUR, IL 62521 | AFLAC | $115 | $0 | $115 | 0.03% |
| REBEKAH ADAMS3 | 11050 SW 62ND CT OCALA, FL 34476 | AFLAC | $110 | $0 | $110 | 0.03% |
| MICHAEL RAY ROBINS3 Filed as: MICHAEL ROBINS | 3909 SUNDEW CT PLANO, TX 75093 | AFLAC | $101 | $0 | $101 | 0.02% |
| PETERS, SABINA3 Filed as: P PETERS | 500 RIDGECREST DR PUNTA GORDA, FL 33982 | AFLAC | $101 | $0 | $101 | 0.02% |
| FREDRICK EITEL3 | 602 N 8TH ST MARSHALL, IL 62441 | AFLAC | $93 | $0 | $93 | 0.02% |
| MELISSA MALONEY3 | 3924 TRAILWAY DR CHAMPAIGN, IL 61822 | AFLAC | $87 | $0 | $87 | 0.02% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER RD NORTH FREEDOM, WI 53951 | AFLAC | $65 | $9 | $74 | 0.02% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 216 MAITLAND AVE MAITLAND, FL 32701 | AFLAC | $70 | $0 | $70 | 0.02% |
| CHRISTINE L BREWSTER3 Filed as: CHRISTINE BREWSTER | 1312 FARLEY LN CHAMPAIGN, IL 61822 | AFLAC | $63 | $0 | $63 | 0.02% |
| ADRIENNE SHOEMAKER3 | 1501 E GRAND AVE SAINT JOSEPH, IL 61873 | AFLAC | $63 | $0 | $63 | 0.02% |
| KANSAS DAWN RAY3 Filed as: KANSAS RAY | 1695 WOLF HOLLOW RD MANITOU, KY 42436 | AFLAC | $55 | $0 | $55 | 0.01% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 14601 BROOKVIEW DR URBANDALE, IA 50323 | AFLAC | $48 | $0 | $48 | 0.01% |
| MARTHA MONCKTON3 | 2411 E GRANDVIEW AVE PEORIA, IL 61614 | AFLAC | $19 | $29 | $48 | 0.01% |
| DEBORAH ROBERTS3 | 1676 TRI COUNTY HWY WILLIAMSBURG, OH 45176 | AFLAC | $35 | $0 | $35 | 0.01% |
| CHRISTIAN WOMACK3 | 32960 N THREE OAKS LN LIBERTYVILLE, IL 60048 | AFLAC | $34 | $0 | $34 | 0.01% |
| CARRIE EDWARDS3 | 121 S JACQUES ST ARCOLA, IL 61910 | AFLAC | $31 | $0 | $31 | 0.01% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK LAIRD | 222 KENTUCKY AVE, STE 3 PADUCAH, KY 42003 | AFLAC | $30 | $0 | $30 | 0.01% |
| MARTHA CUSHMAN3 | 21 OHIO DRIVE DECATUR, IL 62526 | AFLAC | $30 | $0 | $30 | 0.01% |
| HEATHER HEIL3 | 53 BROOKSIDE DR, APT D CLIFTON, NJ 07012 | AFLAC | $29 | $0 | $29 | 0.01% |
| LESTER D PARK3 Filed as: LESTER PARK | 203 CLEARMEADOW DR COLUMBIA, SC 29229 | AFLAC | $25 | $0 | $25 | 0.01% |
| GREGORY BRIGHTMAN3 | 5589 CYPRESS CT WESTERVILLE, OH 43082 | AFLAC | $24 | $0 | $24 | 0.01% |
| CANDICE K PHILLIPS3 Filed as: CANDICE PHILLIPS | PO BOX 846 MADISONVILLE, KY 42431 | AFLAC | $23 | $0 | $23 | 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% |
| CONNIE BIRCH3 | 3240 SHOUSE CHAPEL RD LOUISVILLE, IL 62858 | AFLAC | $14 | $0 | $14 | 0.00% |
| DENNIS ALOIA3 | 500 CHESTNUT WALK CANTON, GA 30114 | AFLAC | $14 | $0 | $14 | 0.00% |
| R WRIGHT3 | 9200 SHELBYVILLE RD, STE 605 LOUISVILLE, KY 40222 | AFLAC | $13 | $0 | $13 | 0.00% |
| CHRISTIE MARZARI3 | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $12 | $0 | $12 | 0.00% |
| JEFFREY TAYLOR3 | 820 WHITE OAK DR NEWNAN, GA 30265 | AFLAC | $10 | $0 | $10 | 0.00% |
| GREGORY DALE3 | 660 MCWHORTER RD STEPHENS, GA 30667 | AFLAC | $9 | $0 | $9 | 0.00% |
| JAMES M BROCK3 Filed as: JAMES BROCK | 301 W BROADWAY BLVD JOHNSTON CITY, IL 62951 | AFLAC | $7 | $0 | $7 | 0.00% |
| SHERRI L BASHORE3 Filed as: SHERRI BASHORE | PO BOX 40327 NASHVILLE, TN 37204 | AFLAC | $7 | $0 | $7 | 0.00% |
| BRIAN R KIMMEL3 Filed as: BRIAN KIMMEL | 309 BRAESWICK DR LAKE ST LOUIS, MO 63367 | AFLAC | $7 | $0 | $7 | 0.00% |
| JOHN MANN JR3 | 3417 HICKORY WOODS TRL MARIETTA, GA 30066 | AFLAC | $6 | $0 | $6 | 0.00% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 1344 ASHTON ROAD, STE 200 HANOVER, MD 21076 | AFLAC | $6 | $0 | $6 | 0.00% |
| CANDACE QUILL3 | 742 PINE LAKE DR GREENWOOD, IN 46143 | 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% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $5 | $0 | $5 | 0.00% |
| ROBERT PEVENSTEIN3 | 1207 LIMEKILN RD TOWSON, MD 21286 | AFLAC | $5 | $0 | $5 | 0.00% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE & ASSOC | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $4 | $0 | $4 | 0.00% |
| JOHN A LECKLITER3 Filed as: JOHN LECKLITER | 10 LINDA LN SEVERNA PARK, MD 21146 | AFLAC | $4 | $0 | $4 | 0.00% |
| GREGORY SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $4 | $0 | $4 | 0.00% |
| KRISTEN HORN3 | 11037 BROADWAY, STE C CROWN POINT, IN 46307 | AFLAC | $3 | $0 | $3 | 0.00% |
| LORI WARE3 | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $3 | $0 | $3 | 0.00% |
| TAMMY KILGORE3 | 2209 BELLA FIORE LANE PONTIAC, IA 61764 | AFLAC | $3 | $0 | $3 | 0.00% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE MORNINGSTAR | 11285 DOVEDALE CT, 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $2 | $0 | $2 | 0.00% |
| RUSSELL THOMAS3 | 611 E BROADWAY ST TOLONO, IA 61880 | AFLAC | $2 | $0 | $2 | 0.00% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT, 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $2 | $0 | $2 | 0.00% |
| PHILLIP D BLAKEMAN3 Filed as: PHILLIP BLAKEMAN | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $0 | $2 | $2 | 0.00% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $1 | $1 | $2 | 0.00% |
| KYLE J HORN3 Filed as: KYLE HORN | 2119 W GERALD DR PEORIA, IL 61615 | AFLAC | $1 | $0 | $1 | 0.00% |
| HARRY HOAGLAND3 | 405 EVANS ST COVINGTON, IN 47932 | AFLAC | $1 | $0 | $1 | 0.00% |
| JUDY PALS3 | 210 N OAK, PO BOX 432 TUETOPOLIS, IL 62467 | AFLAC | $1 | $0 | $1 | 0.00% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE RD, STE 605 LOUISVILLE, KY 40222 | AFLAC | $1 | $0 | $1 | 0.00% |
| KEVIN F WARD3 Filed as: KEVIN WARD | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $0 | $1 | $1 | 0.00% |
| THOMAS W ELDER3 | 403 S WORTH, PO BOX 654 SULLIVAN, IL 61951 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 15.00% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | 111 E DECATUR ST DECATUR, IL 62521 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 17.97% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANSIG INC | PO BOX 678 DECATUR, IL 62525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.45% |
| MARC ALAN HOLLABAUGH3 Filed as: MARC A HOLLABAUGH | 6701 W 64TH ST, STE 312 OVERLAND PARK, KS 66202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $135 | $4K | 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 | 540 | 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) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HM LIFE INSURANCE COMPANY | 504 | $551K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $87K |
| Short-term disability | AFLAC | 648 | $419K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 636 | $123K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 504 | $551K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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.
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.