| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING ASSOCIATES3 Filed as: BENEFIT PLANNING ASSOCIATES INC | 712 IAA DRIVE PO BOX 7 BLOOMINGTON, IL 61702 | BLUECROSS BLUESHIELD OF ILLINOIS | $39K | $952 | $40K | 4.00% |
| MORTGAGE SERVICES III LLC3 | 502 NORTH HERSHEY ROAD BLOOMINGTON, IL 61704 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $5 | $5 | 0.00% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 7.26% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.38% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $988 | $4K | 19.41% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $831 | $3K | 14.49% |
| ABBY E ALEXANDER3 | 1532 EAST MARIETTA AVENUE PEORIA HEIGHTS, IL 61616 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 2.80% |
| MIDWESTERN INS ASSOC AGY INC3 Filed as: MIDWESTERN INSURANCE ASSOCIATES AGY | 120 SOUTH MAIN MINIER, IL 61759 | CONTINENTAL AMERICAN INSURANCE COMPANY | $237 | — | $237 | 2.67% |
| NATHAN A WHITEMAN3 | 503 BROADWAY STREET LINCOLN, IL 62656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 1.14% |
| MARK L RHODES3 | 133A SOUTH MAIN STREET MORTON, IL 61550 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 1.09% |
| CHRISTOPHER J BAYER3 | 1416 NORTH BROAD STREET GALESBURG, IL 61401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.83% |
| MARK L RHODES3 | 133A SOUTH MAIN STREET MORTON, IL 61550 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.79% |
| TRAVIS COCKBURN3 | 402 NORTH MAIN STREET BENTON, IL 62812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.33% |
| TERRY J SILVERS3 | 120 WEST ALLEN STREET HENDERSONVILLE, NC 28792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.21% |
| JAMIE WITTE3 | 4612 NORTH WOODVIEW AVENUE PEORIA, IL 61614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.14% |
| MICHAEL K SIDELL3 | 7501 NORTH UNIVERSITY #227 PEORIA, IL 61614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.14% |
| PATRICIA M TOWNSEND3 | 109 EAST IDLEWOOD MORTON, IL 61550 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| JASON HOFFARD3 Filed as: JASON T HOFFARD | 16485 BANISTER ROAD SESSER, IL 62884 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| MARTHA MONCKTON3 Filed as: MARTHA S MONCKTON | 2411 EAST GRANDVIEW AVENUE PEORIA, IL 61614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| TAMMY KILGORE3 Filed as: TAMMY L KILGORE | 210 NORTH PLUM STREET PONTIAC, IL 61764 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| GARY J IRVIN3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| WILLIAM T GANT3 | 1355 B LYNNFIELD ROAD SUITE 259 MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| PATRICIA M TOWNSEND3 Filed as: PATRICIA TOWNSEND | 109 EAST IDLEWOOD STREET MORTON, IL 61550 | AFLAC | $205 | — | $205 | 2.65% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $82 | — | $82 | 1.06% |
| MICHAEL AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $74 | — | $74 | 0.96% |
| TERRANCE BRENNAN3 | 2207 BENJAMIN LANE BLOOMINGTON, IL 61701 | AFLAC | $64 | — | $64 | 0.83% |
| MARK L RHODES3 Filed as: MARK RHODES | 133A SOUTH MAIN STREET MORTON, IL 61550 | AFLAC | $58 | — | $58 | 0.75% |
| J B ERICSON & ASSOCIATES INC3 | 311 STONELEIGH LANE OSWEGO, IL 60543 | AFLAC | $49 | — | $49 | 0.63% |
| LORI A WALLACE3 Filed as: LORI WALLACE | PO BOX 370 LINCOLN, IL 62656 | AFLAC | $47 | — | $47 | 0.61% |
| L LANTMAN3 | 2001 WEST WILLOW KNOLLS DRIVE SUITE 206 PEORIA, IL 61614 | AFLAC | $47 | — | $47 | 0.61% |
| URSULA M PIECHOWSKI3 Filed as: URSULA PIECHOWSKI | 929 WASHINGTON STREET APARTMENT 301 EVANSTON, IL 60202 | AFLAC | $37 | — | $37 | 0.48% |
| ELIZABETH G VAUGHAN & ASSOCIATES3 | 323 SOUTH VINE AVENUE PARK RIDGE, IL 60068 | AFLAC | $19 | — | $19 | 0.25% |
| MICHAEL MOORE3 | 2630 EAST COUNTY ROAD 1300 CARTHAGE, IL 62321 | AFLAC | $15 | — | $15 | 0.19% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | AFLAC | $13 | — | $13 | 0.17% |
| RICHARD L MCKIRAHAN3 | 174 DOVER DRIVE DECATUR, IL 62521 | AFLAC | $12 | — | $12 | 0.16% |
| SHERRY L LYDEN3 Filed as: SHERRY LYDEN | 1284 ROSEGATE COURT AURORA, IL 60504 | AFLAC | $11 | — | $11 | 0.14% |
| MICHAEL A ORTIZ3 Filed as: MICHAEL ORTIZ | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $11 | — | $11 | 0.14% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOCIATES LTD | 12121 WILSHIRE BOULEVARD SUITE 1225 LOS ANGELES, CA 90025 | AFLAC | $10 | — | $10 | 0.13% |
| GARY W WARE JR3 Filed as: GARY WARE JR | 2306 VALLEYBROOK DRIVE CHAMPAIGN, IL 61822 | AFLAC | $8 | — | $8 | 0.10% |
| JAMES E SCHWERDTFEGER3 Filed as: JAMES SCHWERDTFEGER | PO BOX 194 MT ZION, IL 62549 | AFLAC | $7 | — | $7 | 0.09% |
| GEORGE P OWENS3 Filed as: GEORGE OWENS | 653 NORTH ANTLER DRIVE MT ZION, IL 62549 | AFLAC | $5 | — | $5 | 0.06% |
| TERRY SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $4 | — | $4 | 0.05% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $3 | — | $3 | 0.04% |
| HANA M MUELLER3 Filed as: HANA MUELLER | PO BOX 283 STANFORD, IL 61774 | AFLAC | $3 | — | $3 | 0.04% |
| BRIAN R KIMMEL3 Filed as: BRIAN KIMMEL | 309 BRAESWICK DRIVE LAKE ST LOUIS, MO 63367 | AFLAC | $3 | — | $3 | 0.04% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $2 | — | $2 | 0.03% |
| CHRISTIE MARZARI3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2 | — | $2 | 0.03% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 1840 VIA DEL REY SOUTH PASADENA, CA 91030 | AFLAC | $2 | — | $2 | 0.03% |
| MARC D BARNES3 Filed as: MARC BARNES | 4004 CLINTON AVENUE BERWYN, IL 60402 | AFLAC | $1 | — | $1 | 0.01% |
| BENEFIT PLANNING ASSOCIATES3 | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $502 | $155 | $657 | 19.65% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 182 | $994K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $65K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $25K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.