| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD W ALDRICH3 Filed as: RONALD W. ALDRICH | 8802 E 300 N FREMONT, IN 46737 | AFLAC | $9K | — | $9K | 10.13% |
| BRENT C ALDRICH3 Filed as: BRENT C. ALDRICH | 812 NICHOLAS TRL FREMONT, IN 46737 | AFLAC | $9K | — | $9K | 10.05% |
| GREGORY W ALDRICH3 Filed as: GREGORY W. ALDRICH | 4675 W 100 S ANGOLA, IN 46703 | AFLAC | $7K | $5 | $7K | 7.60% |
| ROBERT J LAWRENCE3 Filed as: ROBERT J. LAWRENCE | 1902 GILLMORE DRIVE FORT WAYNE, IN 46818 | AFLAC | $7K | $2 | $7K | 7.54% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFITS SPEC, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | AFLAC | $5K | — | $5K | 5.77% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | AFLAC | $5K | — | $5K | 5.14% |
| JUSTIN D HARPER3 Filed as: JUSTIN D. HARPER | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $713 | — | $713 | 0.80% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 3115 E US HIGHWAY 20 ANGOLA, IN 46703 | AFLAC | $623 | — | $623 | 0.70% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 308 S SUPERIOR STREET ANGOLA, IN 46703 | AFLAC | $424 | — | $424 | 0.48% |
| ROBERT LEE KIRKLAND JR3 Filed as: ROBERT LEE KIRKLAND, JR. | 12415 ROCKRIDGE PL FORT WAYNE, IN 46814 | AFLAC | $143 | — | $143 | 0.16% |
| HOLLY JEAN ROSSWURM3 | 8330 BULL RAPIDS ROAD WOODBURN, IN 46797 | AFLAC | $46 | — | $46 | 0.05% |
| MICHELLE L SEXTON3 Filed as: MICHELLE L. SEXTON | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $39 | — | $39 | 0.04% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IN 462500530 | VISION SERVICE PLAN | $2K | — | $2K | 3.83% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IA 46250 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GREGORY W ALDRICH3 Filed as: GREGORY W. ALDRICH | 4675 W 100 S ANGOLA, IN 46703 | AFLAC | $2K | $3 | $2K | 6.31% |
| BRENT C ALDRICH3 Filed as: BRENT C. ALDRICH | 812 NICHOLAS TRL FREMONT, IN 46737 | AFLAC | $2K | — | $2K | 5.87% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFITS SPEC, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | AFLAC | $2K | — | $2K | 5.53% |
| RONALD W ALDRICH3 Filed as: RONALD W. ALDRICH | 8802 E 300 N FREMONT, IN 46737 | AFLAC | $2K | — | $2K | 4.91% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DRIVE FORT WAYNE, IA 46825 | AFLAC | $2K | — | $2K | 4.91% |
| ROBERT J LAWRENCE3 Filed as: ROBERT J. LAWRENCE | 1902 GILMORE DRIVE FORT WAYNE, IN 46818 | AFLAC | $2K | — | $2K | 4.69% |
| ROBERT LEE KIRKLAND JR3 Filed as: ROBERT LEE KIRKLAND, JR. | 12415 ROCKRIDGE PL FORT WAYNE, IN 46814 | AFLAC | $874 | — | $874 | 2.57% |
| JUSTIN D HARPER3 Filed as: JUSTIN D. HARPER | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $644 | — | $644 | 1.89% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 3115 E US HIGHWAY 20 ANGOLA, IN 46703 | AFLAC | $297 | — | $297 | 0.87% |
| MICHELLE L SEXTON3 Filed as: MICHELLE L. SEXTON | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $240 | — | $240 | 0.71% |
| MICHAEL E MITMAN3 | 308 S SUPERIOR STREET ANGOLA, IN 46703 | AFLAC | $181 | — | $181 | 0.53% |
| HOLLY JEAN ROSSWURM3 | 8330 BULL RAPIDS ROAD WOODBURN, IN 46797 | AFLAC | $24 | — | $24 | 0.07% |
| HOLLY JEAN ROSSWURM3 | 4340 BRUICK ROAD NEW HAVEN, IN 46774 | AFLAC | $2 | — | $2 | 0.01% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | HEALTH RESOURCES, INC. | $3K | — | $3K | 10.00% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IN 462500530 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IN 462500530 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IA 462500530 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $952 | — | $952 | 15.00% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IN 462500530 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $330 | — | $330 | 15.01% |
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 | 643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 68 | $31K |
| Vision | VISION SERVICE PLAN | 232 | $47K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 643 | $138K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 146 | $129K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40 | $11K |
| Other(4 contracts, 3 carriers) | AFLAC | 677 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.