| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 10.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 10.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 16.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: AUDREY A BROWN | 7009 BOULDER POINTE DR WASHINGTON, MI 48094 | AFLAC | $818 | $0 | $818 | 5.95% |
| CANDACE Y HILDEBRAN3 | 1084 KNOLL CT GREENWOOD, IN 46143 | AFLAC | $532 | $0 | $532 | 3.87% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD, STE 103 TROY, MI 48083 | AFLAC | $151 | $0 | $151 | 1.10% |
| DENA E GABRY3 | 7415 VIEW CT WATERFORD, MI 48327 | AFLAC | $110 | $0 | $110 | 0.80% |
| DENICE LYNNE GRACE3 | 17200 CANTERBURY CIRCLE HOLLY, MI 48442 | AFLAC | $64 | $0 | $64 | 0.47% |
| DEMETRIA A HOLT3 | 10153 MEADOW PATH LANE INDIANAPOLIS, IN 46259 | AFLAC | $59 | $0 | $59 | 0.43% |
| AARON ARNAIZ3 Filed as: AARON M ARNAIZ | 884 SOUTHWICK CT OAKLAND, MI 48363 | AFLAC | $46 | $0 | $46 | 0.33% |
| THOMAS W BOSTON3 Filed as: THOMAS A DANKO | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC | $37 | $0 | $37 | 0.27% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER RD NORTH FREEDOM, WI 53951 | AFLAC | $34 | $0 | $34 | 0.25% |
| ASHLEY LYNN SHAW3 | 1163 ESTANCIA WOODS LOOP WINDERMERE, FL 34786 | AFLAC | $18 | $0 | $18 | 0.13% |
| HOLLY RENEE ASHLEY3 | 720 S RANGELINE RD, APT 419 CARMEL, IN 46032 | AFLAC | $18 | $0 | $18 | 0.13% |
| GAIL GRAVES3 | 32690 COLONY HILL DR FRANKLIN, MI 48025 | AFLAC | $11 | $0 | $11 | 0.08% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | AFLAC | $9 | $0 | $9 | 0.07% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $4 | $0 | $4 | 0.03% |
| ROOPA FITZPATRICK3 | 7332 BLAKE DR BAY CITY, MI 48706 | AFLAC | $4 | $0 | $4 | 0.03% |
| CHRISTOPHER D BOULDREY3 | 448 RIVER WOODS DR FLUSHING, MI 48433 | AFLAC | $1 | $0 | $1 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | $0 | $1 | 0.01% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $1 | $0 | $1 | 0.01% |
| JAMES C SNIDER JR3 | 4105 MILLSTREAM RD DENVER, NC 28037 | AFLAC | $1 | $0 | $1 | 0.01% |
| CANDACE Y HILDEBRAN3 | 1084 KNOLL CT GREENWOOD, IN 46143 | AFLAC | $546 | $1 | $547 | 4.64% |
| LORI JEAN ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $204 | $0 | $204 | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MINON K MARSH-STEPP | 1890 E COUNTY ROAD 400 S GREENSBURG, IN 47240 | AFLAC | $129 | $0 | $129 | 1.09% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER RD NORTH FREEDOM, WI 53951 | AFLAC | $122 | $0 | $122 | 1.03% |
| BEVERLY KAY SCHWEGMAN3 | 8522 ENCLAVE BLVD FISHERS, IN 46038 | AFLAC | $122 | $0 | $122 | 1.03% |
| ASHLEY LYNN SHAW3 | 1163 ESTANCIA WOODS LOOP WINDERMERE, FL 34786 | AFLAC | $88 | $0 | $88 | 0.75% |
| MONIQUE DENISE HINTON3 | 34 JEFFERSON PARKWAY, APT A NEWNAN, GA 30263 | AFLAC | $51 | $0 | $51 | 0.43% |
| NATHAN L HARRISON3 | 5301 E VISTA RICA ST PARADISE VALLEY, AZ 85253 | AFLAC | $38 | $0 | $38 | 0.32% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $25 | $0 | $25 | 0.21% |
| KATTE L HANNER3 | 6378 DEERSTAND RD GREENWOOD, IN 46143 | AFLAC | $18 | $0 | $18 | 0.15% |
| RANDAL R YURCZYK3 | 6858 E 525 S WHITESTOWN, IN 46075 | AFLAC | $16 | $0 | $16 | 0.14% |
| JAMES M FLETCHER3 | 7325 CLUBHOUSE DR FORT WAYNE, IN 46835 | AFLAC | $5 | $0 | $5 | 0.04% |
| DEMETRIA A HOLT3 | 10153 MEADOW PATH LANE INDIANAPOLIS, IN 46259 | AFLAC | $2 | $0 | $2 | 0.02% |
| RITA J ABRAM3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $2 | $0 | $2 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM LIFE INSURANCE COMPANY | $637 | $0 | $637 | 5.70% |
| CANDACE Y HILDEBRAN3 | 1084 KNOLL CT GREENWOOD, IN 46143 | AFLAC | $388 | $0 | $388 | 9.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 309 WEBSTER ST DAYTON, OH 45402 | AFLAC | $228 | $0 | $228 | 5.46% |
| ASHLEY LYNN SHAW3 | 1163 ESTANCIA WOODS LOOP WINDERMERE, FL 34786 | AFLAC | $54 | $0 | $54 | 1.29% |
| DEMETRIA A HOLT3 | 10153 MEADOW PATH LANE INDIANAPOLIS, IN 46259 | AFLAC | $36 | $0 | $36 | 0.86% |
| MONIQUE DENISE HINTON3 | 34 JEFFERSON PARKWAY, APT A NEWNAN, GA 30263 | AFLAC | $29 | $0 | $29 | 0.69% |
| RETTENMUND INSURANCE LLC3 | S7991 DENZER RD NORTH FREEDOM, WI 53951 | AFLAC | $27 | $0 | $27 | 0.65% |
| LORI JEAN ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $24 | $0 | $24 | 0.57% |
| KATTE L HANNER3 | 6378 DEERSTAND RD GREENWOOD, IN 46143 | AFLAC | $7 | $0 | $7 | 0.17% |
| CANDACE Y HILDEBRAN3 | 1084 KNOLL CT GREENWOOD, IN 46143 | AFLAC | $60 | $0 | $60 | 5.12% |
| RICK MCPHERSON3 | 6352 MARBURN DR INDIANAPOLIS, IN 46227 | AFLAC | $44 | $0 | $44 | 3.75% |
| ASHLEY LYNN SHAW3 | 1163 ESTANCIA WOODS LOOP WINDERMERE, FL 34786 | AFLAC | $20 | $0 | $20 | 1.71% |
| KATTE L HANNER3 | 6378 DEERSTAND RD GREENWOOD, IN 46143 | AFLAC | $10 | $0 | $10 | 0.85% |
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 | 258 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 547 | $4.5M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 431 | $119K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 431 | $89K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 431 | $49K |
| Other(5 contracts, 2 carriers) | AFLAC | 431 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.