| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC | 3755 EAST 82ND STREET SUITE 100 INDIANAPOLIS, IN 462404368 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $2K | $25K | 3.83% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | P.O. BOX 50435 INDIANAPOLIS, IN 462500418 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $2K | $23K | 3.61% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 462400418 | DELTA DENTAL OF INDIANA | $2K | — | $2K | 3.73% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP | 3755 EAST 82ND STREET INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $1K | — | $1K | 1.70% |
| JOHN O MONTGOMERY3 | 10363 NORTH COUNTRY ROAD 950 EAST BROWNSBURG, IN 46112 | AFLAC | $7K | $166 | $7K | 20.22% |
| SHELLY M BAYS3 | 4435 ENGLISH LANE LAFAYETTE, IN 47909 | AFLAC | $1K | $33 | $1K | 3.24% |
| MATTHEW D SMITH3 | 9620 COPLEY DRIVE INDIANAPOLIS, IN 46290 | AFLAC | $817 | $33 | $850 | 2.56% |
| WILLIAM KENDALL LITTELL3 | 8543 NEWBURY ROAD EVANSVILLE, IN 47725 | AFLAC | $584 | — | $584 | 1.76% |
| ANDREW H SCHMITT3 | 7058 WEST ROAD 28 ELWOOD, IN 46036 | AFLAC | $458 | — | $458 | 1.38% |
| P MICHAEL MARTINDALE3 | 730 MOHAWK DRIVE APARTMENT C CARMEL, IN 46032 | AFLAC | $348 | — | $348 | 1.05% |
| MATTHEW D SMITH3 | 8448 CLEARWATER LANE APARTMENT 302 INDIANAPOLIS, IN 46240 | AFLAC | $108 | — | $108 | 0.33% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $84 | — | $84 | 0.25% |
| CHRIS A GEHLHAUSEN3 | 5401 VOGEL ROAD SUITE 410 EVANSVILLE, IN 47715 | AFLAC | $83 | — | $83 | 0.25% |
| JOHN O MONTGOMERY3 | 10363 NORTH COUNTY ROAD 950 EAST BROWNSBURG, IN 46112 | AFLAC | $72 | — | $72 | 0.22% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | AFLAC | $72 | — | $72 | 0.22% |
| CHRIS A GEHLHAUSEN3 | 101 PLAZA EAST BOULEVARD SUITE 317 EVANSVILLE, IN 47715 | AFLAC | $41 | — | $41 | 0.12% |
| ANDREW H SCHMITT3 | 8441 PRAIRIE DRIVE INDIANAPOLIS, IN 46256 | AFLAC | $33 | — | $33 | 0.10% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | AFLAC | $11 | — | $11 | 0.03% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DRIVE CARMEL, IN 46033 | AFLAC | $7 | — | $7 | 0.02% |
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 | 173 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $643K |
| Dental | DELTA DENTAL OF INDIANA | 240 | $65K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $643K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $643K |
| Short-term disability | AFLAC | 34 | $33K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $676K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.