| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | DELTA DENTAL OF INDIANA | $31K | $0 | $31K | 9.28% |
| MJ INSURANCE3 | 571 MONON TRAIL CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $7K | $40K | 12.23% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.40% |
| SUSAN MARIE BARD3 | 7219 DERSTAN ROAD INDIANAPOLIS, IN 46250 | AFLAC | $2K | $74 | $2K | 4.92% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE COURT PLAINFIELD, IN 46168 | AFLAC | $941 | $0 | $941 | 2.38% |
| TAD HOWARD ASP3 | 10890 NORTH SMITH ROAD HAYWARD, WI 54843 | AFLAC | $572 | $99 | $671 | 1.70% |
| MJ INSURANCE3 Filed as: MICHAEL J. BECK AND VARIOUS AGENTS | 645 8TH STREET NORTH HUDSON, SC 54016 | AFLAC | $566 | $38 | $604 | 1.53% |
| DIANE MARIE FAH3 | 122 PINE STREET GLENWOOD CITY, WI 54013 | AFLAC | $581 | $0 | $581 | 1.47% |
| DAVID W SCOTT3 Filed as: DAVID W. SCOTT | 131 EAST EXCHANGE AVENUE SUITE 128 FORT WORTH, TX 76164 | AFLAC | $160 | $0 | $160 | 0.40% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LANE WESTFIELD, IN 46062 | AFLAC | $113 | $0 | $113 | 0.29% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN. INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | $0 | $140 | 6.89% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SVCS, INC. | PO BOX 632886 CINCINNATI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | $0 | $49 | 2.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS INS. SERVICES | 580 CALIFORNIA STREET, SUITE 1300 SAN FRANCISCO, CA 94104 | FEDERAL INSURANCE COMPANY | $225 | $40 | $265 | 17.67% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 698 | $338K |
| Vision | VISION SERVICE PLAN | 355 | $67K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 430 | $328K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 430 | $328K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 430 | $328K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 430 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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.