| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | HEALTH RESOURCES, INC. | $9K | — | $9K | 10.00% |
| RONALD W ALDRICH3 Filed as: RONALD W. ALDRICH | 8802 E 300 N FREMONT, IN 46737 | AFLAC | $2K | $723 | $3K | 4.98% |
| BRENT C ALDRICH3 Filed as: BRENT C. ALDRICH | 812 NICHOLAS TRL FREMONT, IN 46737 | AFLAC | $2K | $633 | $3K | 4.72% |
| GREGORY W ALDRICH3 Filed as: GREGORY W. ALDRICH | 4675 W 100 S ANGOLA, IN 46703 | AFLAC | $2K | $482 | $3K | 4.19% |
| ROBERT J LAWRENCE3 Filed as: ROBERT J. LAWRENCE | 15409 SPENCERVILLE ROAD GRABILL, IN 46741 | AFLAC | $2K | $23 | $2K | 3.67% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | AFLAC | $2K | $400 | $2K | 3.35% |
| ROBERT J LAWRENCE3 Filed as: ROBERT J. LAWRENCE | 1902 GILLMORE DRIVE FORT WAYNE, IN 46818 | AFLAC | $869 | $370 | $1K | 1.99% |
| CORIE MCKINNEY3 | 6121 HERON BLVD WARSAW, IN 46582 | AFLAC | $905 | — | $905 | 1.45% |
| DRUE RODEGHIER3 | 2011 CALIFORNIA AVENUE FORT WAYNE, IN 46805 | AFLAC | $888 | — | $888 | 1.42% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFITS SPEC, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | AFLAC | $827 | — | $827 | 1.33% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 3115 E US HIGHWAY 20 ANGOLA, IN 46703 | AFLAC | $190 | $110 | $300 | 0.48% |
| JUSTIN D HARPER3 Filed as: JUSTIN D. HARPER | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $162 | $53 | $215 | 0.34% |
| ROBERT LEE KIRKLAND JR3 Filed as: ROBERT LEE KIRKLAND, JR. | 12415 ROCKRIDGE PL FORT WAYNE, IN 46814 | AFLAC | $12 | $6 | $18 | 0.03% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 908 N WAYNE STREET SUITE B ANGOLA, IN 46703 | AFLAC | $12 | — | $12 | 0.02% |
| MICHELLE L SEXTON3 Filed as: MICHELLE L. SEXTON | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $7 | $1 | $8 | 0.01% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IN 462500530 | VISION SERVICE PLAN | $2K | — | $2K | 3.87% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IA 46250 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | HEALTH RESOURCES, INC. | $3K | — | $3K | 10.00% |
| GREGORY W ALDRICH3 Filed as: GREGORY W. ALDRICH | 4675 W 100 S ANGOLA, IN 46703 | AFLAC | $1K | $349 | $2K | 4.44% |
| BRENT C ALDRICH3 Filed as: BRENT C. ALDRICH | 812 NICHOLAS TRL FREMONT, IN 46737 | AFLAC | $947 | $307 | $1K | 3.69% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | AFLAC | $833 | $238 | $1K | 3.15% |
| ROBERT J LAWRENCE3 Filed as: ROBERT J. LAWRENCE | 15409 SPENCERVILLE ROAD GRABILL, IN 46741 | AFLAC | $843 | $5 | $848 | 2.49% |
| RONALD W ALDRICH3 Filed as: RONALD W. ALDRICH | 8802 E 300 N FREMONT, IN 46737 | AFLAC | $540 | $248 | $788 | 2.32% |
| ROBERT J LAWRENCE3 Filed as: ROBERT J. LAWRENCE | 1902 GILLMORE DRIVE FORT WAYNE, IN 46818 | AFLAC | $247 | $182 | $429 | 1.26% |
| DRUE RODEGHIER3 | 2011 CALIFORNIA AVENUE FORT WAYNE, IN 46805 | AFLAC | $412 | — | $412 | 1.21% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFITS SPEC, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | AFLAC | $390 | — | $390 | 1.15% |
| JUSTIN D HARPER3 Filed as: JUSTIN D. HARPER | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $204 | $102 | $306 | 0.90% |
| CORIE MCKINNEY3 | 6121 HERON BLVD WARSAW, IN 46582 | AFLAC | $248 | — | $248 | 0.73% |
| ROBERT LEE KIRKLAND JR3 Filed as: ROBERT LEE KIRKLAND, JR. | 12415 ROCKRIDGE PL FORT WAYNE, IN 46814 | AFLAC | $93 | $124 | $217 | 0.64% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 3115 E US HIGHWAY 20 ANGOLA, IN 46703 | AFLAC | $102 | $84 | $186 | 0.55% |
| MICHELLE L SEXTON3 Filed as: MICHELLE L. SEXTON | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $97 | $25 | $122 | 0.36% |
| MICHAEL E MITMAN3 | 908 N WAYNE STREET SUITE B ANGOLA, IN 46703 | AFLAC | $7 | — | $7 | 0.02% |
| HOLLY JEAN ROSSWURM3 | 4340 BRUICK ROAD NEW HAVEN, IN 46774 | AFLAC | $4 | $2 | $6 | 0.02% |
| 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 | $1K | — | $1K | 15.01% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IN 462500530 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $250 | — | $250 | 14.99% |
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 | 629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | HEALTH RESOURCES, INC. | 186 | $122K |
| Vision | VISION SERVICE PLAN | 225 | $46K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 629 | $108K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 106 | $103K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 56 | $12K |
| Other(4 contracts, 3 carriers) | AFLAC | 629 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.