| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | — | BLUECROSS BLUESHIELD OF ILLINOIS | $27K | $638 | $28K | 4.23% |
| ASSUREDPARTNERS3 Filed as: JMB INS AGENCY INC | 900 NORTH MICHIGAN AVENUE 12TH FLOOR CHICAGO, IL 60611 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.17% |
| ASSUREDPARTNERS3 Filed as: JMB INS AGENCY INC | 900 NORTH MICHIGAN AVENUE 12TH FLOOR CHICAGO, IL 60611 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $444 | — | $444 | 0.83% |
| THE PIETSCH FINANCIAL GROUP IN3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 0.03% |
| ALFREDO MALDONADO JR3 | 804 HARRISON STREET APARTMENT C2 OAK PARK, IL 60304 | AFLAC | $2K | $310 | $2K | 10.18% |
| GLOBAL BENEFITS INC3 | 1512 ARTAIUS PARKWAY SUITE 101 LIBERTYVILLE, IL 60048 | AFLAC | $1K | — | $1K | 7.20% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON AND ASSOC LLC | 325 WEST HURON STREET SUITE 215 CHICAGO, IL 60654 | AFLAC | $716 | $72 | $788 | 4.18% |
| JOANNA M ROCKWELL3 Filed as: JOANNA M NASCA | 350 NORTH LA SALLE DRIVE SUITE 1410 CHICAGO, IL 60654 | AFLAC | $379 | $72 | $451 | 2.39% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 NORTH MICHIGAN AVENUE FLOOR 15 CHICAGO, IL 60611 | AFLAC | $352 | — | $352 | 1.87% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 WEST HURON STREET SUITE 215 CHICAGO, IL 60654 | AFLAC | $137 | — | $137 | 0.73% |
| SHELLEY L BURTON3 | 325 WEST HURON STREET CHICAGO, IL 60654 | AFLAC | $19 | — | $19 | 0.10% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 145 | $651K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $53K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $53K |
| Short-term disability | AFLAC | 28 | $19K |
| Other | AFLAC | 28 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.