| 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% |
| ROBERT J LAWRENCE3 Filed as: ROBERT J. LAWRENCE | 15409 SPENCERVILLE ROAD GRABILL, IN 46741 | AFLAC | $3K | $148 | $3K | 3.97% |
| GREGORY W ALDRICH3 Filed as: GREGORY W. ALDRICH | 4675 W 100 S ANGOLA, IN 46703 | AFLAC | $2K | $132 | $2K | 2.56% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | AFLAC | $1K | $111 | $1K | 2.09% |
| BRENT C ALDRICH3 Filed as: BRENT C. ALDRICH | 812 NICHOLAS TRL FREMONT, IN 46737 | AFLAC | $1K | $97 | $1K | 1.93% |
| RONALD W ALDRICH3 Filed as: RONALD W. ALDRICH | 8802 E 300 N FREMONT, IN 46737 | AFLAC | $949 | $97 | $1K | 1.49% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFITS SPEC, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | AFLAC | $506 | — | $506 | 0.72% |
| CORIE MCKINNEY3 | 6121 HERON BLVD WARSAW, IN 46582 | AFLAC | $119 | $93 | $212 | 0.30% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 908 N. WAYNE STREET SUITE B ANGOLA, IN 46703 | AFLAC | $126 | — | $126 | 0.18% |
| JUSTIN D HARPER3 Filed as: JUSTIN D. HARPER | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $114 | — | $114 | 0.16% |
| MICHELLE L SEXTON3 Filed as: MICHELLE L. SEXTON | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $5 | — | $5 | 0.01% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IA 46250 | VISION SERVICE PLAN | $2K | — | $2K | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | VISION SERVICE PLAN | $98 | — | $98 | 0.19% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | HEALTH RESOURCES, INC. | $4K | — | $4K | 10.00% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IA 46250 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ROBERT J LAWRENCE3 Filed as: ROBERT J. LAWRENCE | 15409 SPENCERVILLE ROAD GRABILL, IN 46741 | AFLAC | $953 | $58 | $1K | 2.76% |
| GREGORY W ALDRICH3 Filed as: GREGORY W. ALDRICH | 4675 W 100 S ANGOLA, IN 46703 | AFLAC | $751 | $97 | $848 | 2.32% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | AFLAC | $619 | $58 | $677 | 1.85% |
| BRENT C ALDRICH3 Filed as: BRENT C. ALDRICH | 812 NICHOLAS TRL FREMONT, IN 46737 | AFLAC | $294 | $65 | $359 | 0.98% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFITS SPEC, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | AFLAC | $253 | — | $253 | 0.69% |
| RONALD W ALDRICH3 Filed as: RONALD W. ALDRICH | 8802 E 300 N FREMONT, IN 46737 | AFLAC | $202 | $29 | $231 | 0.63% |
| JUSTIN D HARPER3 Filed as: JUSTIN D. HARPER | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $186 | — | $186 | 0.51% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 908 N. WAYNE STREET SUITE B ANGOLA, IN 46703 | AFLAC | $81 | — | $81 | 0.22% |
| CORIE MCKINNEY3 | 6121 HERON BLVD WARSAW, IN 46582 | AFLAC | $34 | $33 | $67 | 0.18% |
| MICHELLE L SEXTON3 Filed as: MICHELLE L. SEXTON | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $64 | — | $64 | 0.17% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IN 462500530 | VISION SERVICE PLAN | $661 | — | $661 | 3.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | VISION SERVICE PLAN | $33 | — | $33 | 0.18% |
| 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 | 15.00% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IN 462500530 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $318 | — | $318 | 15.00% |
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 | 567 | 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) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | HEALTH RESOURCES, INC. | 197 | $128K |
| Vision(2 contracts) | VISION SERVICE PLAN | 230 | $70K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 567 | $122K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 94 | $115K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 50 | $14K |
| Other(4 contracts, 3 carriers) | AFLAC | 567 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.