| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFM INSURANCE AGENCY3 Filed as: CFM/BEHRENS INSURANCE AGENCY | 50 NORTH BROCKWAY STREET SUITE 5-2 PALATINE, IL 60067 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | — | $28K | 4.04% |
| GLACIER GROUP LLC3 | 54 WEST SEEGERS ROAD ARLINGTON, IL 60004 | BLUECROSS BLUESHIELD OF ILLINOIS | $599 | — | $599 | 0.09% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE | 300 EAST NORTHWEST HIGHWAY ARLINGTON HEIGHTS, IL 60004 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 6.90% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE | 50 NORTH BROCKWAY STREET SUITE 5-2 PALATINE, IL 60067 | TRUASSURE INSURANCE COMPANY | $1K | — | $1K | 7.09% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE AGENCY INC | 50 NORTH BROCKWAY STREET SUITE 5-2 PALATINE, IL 60067 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $216 | $4K | 26.52% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE | 50 NORTH BROCKWAY SUITE 5-2 PALATINE, IL 60067 | THE EPIC LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| L EDWARD LANTMAN3 | 1921 WEST WILLOW KNOLLS ROAD SUITE C PEORIA, IL 61614 | AFLAC | $1K | — | $1K | 10.98% |
| MARK L RHODES3 | 133A SOUTH MAIN STREET MORTON, IL 61550 | AFLAC | $246 | — | $246 | 1.84% |
| DANIEL E YOUNG3 | 2442 VALLEY PARK DRIVE LARKSPUR, CO 80118 | AFLAC | $156 | — | $156 | 1.16% |
| CHRISTOPHER J BAYER3 | 127 NORTH CHERRY STREET GALESBURG, IL 61401 | AFLAC | $150 | — | $150 | 1.12% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | 402 NORTH MAIN STREET BENTON, IN 62812 | AFLAC | $115 | — | $115 | 0.86% |
| BRENT L GOODE3 | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | AFLAC | $110 | — | $110 | 0.82% |
| CHRISTOPHER L ALTON3 | 150 NORTH MILLER ROAD SUITE 300A FAIRLAWN, OH 44333 | AFLAC | $67 | — | $67 | 0.50% |
| NATHAN A WHITEMAN3 | 1921 WEST WILLOW KNOLLS DRIVE SUITE C PEORIA, IL 61614 | AFLAC | $56 | — | $56 | 0.42% |
| MARK L RHODES3 | 133A SOUTH MAIN STREET MORTON, IL 61550 | AFLAC | $46 | — | $46 | 0.34% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $32 | — | $32 | 0.24% |
| ELIZABETH M GASPAROVIC3 | 1653 NORTH BELMONT COURT ARLINGTON HEIGHTS, IL 60004 | AFLAC | $27 | — | $27 | 0.20% |
| ROY TRIMBLE3 | 810 SOUTH JOHANSON ROAD PEORIA, IL 61607 | AFLAC | $26 | — | $26 | 0.19% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY BUILDING 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $18 | — | $18 | 0.13% |
| JAMIE WITTE3 Filed as: JAMIE A NOBLE-HOGAN | 129 EAST SOUTHGATE ROAD PEORIA, IL 61614 | AFLAC | $18 | — | $18 | 0.13% |
| NICOLE L SCHWERSENSKA3 | W3669 OAK STREET MONTELLO, WI 53949 | AFLAC | $16 | — | $16 | 0.12% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST. CHARLES, IL 60175 | AFLAC | $12 | — | $12 | 0.09% |
| LORI A WALLACE3 | 2001 WEST WILLOW KNOLLS DRIVE SUITE 206 PEORIA, IL 61614 | AFLAC | $11 | — | $11 | 0.08% |
| CHRISTOPHER J BAYER3 | 250 EAST MAIN STREET SUITE 312 GALESBURG, IL 61401 | AFLAC | $9 | — | $9 | 0.07% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY BUILDING 300, SUITE 350 NORCROSS, GA 30093 | AFLAC | $7 | — | $7 | 0.05% |
| TOSHA MCQUEARY3 Filed as: TOSHA M MCQUEARY | 2214 WEST GLEN AVENUE PEORIA, IL 61614 | AFLAC | $2 | — | $2 | 0.01% |
| LORI A WALLACE3 | 1921 WEST WILLOW KNOLLS ROAD SUITE C PEORIA, IL 61614 | AFLAC | $1 | — | $1 | 0.01% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE | 50 NORTH BROCKWAY STREET SUITE 5-2 PALATINE, IL 60067 | PROTEC INSURANCE COMPANY | $146 | — | $146 | 8.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | THE HARTFORD LIFE AND ACCIDENT | — | $230 | $230 | 17.02% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE | 50 NORTH BROCKWAY STREET SUITE 5-2 PALATINE, IL 60007 | THE HARTFORD LIFE AND ACCIDENT | $203 | — | $203 | 15.03% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | THE HARTFORD LIFE AND ACCIDENT | — | $20 | $20 | 17.39% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE | 50 NORTH BROCKWAY STREET SUITE 5-2 PALATINE, IL 60007 | THE HARTFORD LIFE AND ACCIDENT | $17 | — | $17 | 14.78% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 134 | $684K |
| Dental | DELTA DENTAL OF ILLINOIS | 108 | $56K |
| Life insurance(4 contracts, 4 carriers) | TRUASSURE INSURANCE COMPANY | 121 | $52K |
| Long-term disability | THE EPIC LIFE INSURANCE COMPANY | 57 | $14K |
| Other(4 contracts, 3 carriers) | TRUASSURE INSURANCE COMPANY | 121 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.