| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | HEALTH RESOURCES, INC. | $10K | — | $10K | 10.00% |
| ROBERT J LAWRENCE3 Filed as: ROBERT J. LAWRENCE | 15409 SPENCERVILLE ROAD GRABILL, IN 46818 | AFLAC | $2K | $36 | $2K | 3.42% |
| RONALD W ALDRICH3 Filed as: RONALD W. ALDRICH | 8802 E 300 N FREMONT, IN 46737 | AFLAC | $1K | $61 | $1K | 2.25% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | AFLAC | $1K | $36 | $1K | 1.72% |
| BRENT C ALDRICH3 Filed as: BRENT C. ALDRICH | 812 NICHOLAS TRL FREMONT, IN 46737 | AFLAC | $491 | $80 | $571 | 0.93% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFITS SPEC, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | AFLAC | $447 | — | $447 | 0.73% |
| GREGORY W ALDRICH3 Filed as: GREGORY W. ALDRICH | 4675 W 100 S ANGOLA, IN 46703 | AFLAC | $366 | $40 | $406 | 0.66% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 908 N. WAYNE STREET SUITE B ANGOLA, IN 46703 | AFLAC | $125 | — | $125 | 0.20% |
| JUSTIN D HARPER3 Filed as: JUSTIN D. HARPER | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $112 | — | $112 | 0.18% |
| MICHELLE L SEXTON3 Filed as: MICHELLE L. SEXTON | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IA 46825 | AFLAC | $2 | — | $2 | 0.00% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | P.O. BOX 50530 INDIANAPOLIS, IN 46250 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD SUITE 408 BINGHAM FARMS, MI 48025 | HEALTH RESOURCES, INC. | $4K | — | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | VISION SERVICE PLAN | $1K | — | $1K | 2.97% |
| ROBERT J LAWRENCE3 Filed as: ROBERT J. LAWRENCE | 15409 SPENCERVILLE ROAD GRABILL, IN 46741 | AFLAC | $659 | $6 | $665 | 2.45% |
| JONATHAN DAVID BESWARICK3 | 220 INSURANCE DRIVE FORT WAYNE, IN 46825 | AFLAC | $401 | $6 | $407 | 1.50% |
| RONALD W ALDRICH3 Filed as: RONALD W. ALDRICH | 8802 E 300 N FREMONT, IN 46737 | AFLAC | $218 | $8 | $226 | 0.83% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFITS SPEC, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | AFLAC | $213 | — | $213 | 0.78% |
| JUSTIN D HARPER3 Filed as: JUSTIN D. HARPER | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $178 | — | $178 | 0.66% |
| GREGORY W ALDRICH3 Filed as: GREGORY W. ALDRICH | 4675 W 100 S ANGOLA, IN 46703 | AFLAC | $115 | $11 | $126 | 0.46% |
| BRENT C ALDRICH3 Filed as: BRENT C. ALDRICH | 812 NICHOLAS TRL FREMONT, IN 46737 | AFLAC | $87 | $8 | $95 | 0.35% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 908 N. WAYNE STREET SUITE B ANGOLA, IN 46703 | AFLAC | $71 | — | $71 | 0.26% |
| MICHELLE L SEXTON3 Filed as: MICHELLE L. SEXTON | 220 INSURANCE DRIVE SUITE A FORT WAYNE, IN 46825 | AFLAC | $37 | — | $37 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | SYMETRA LIFE INSURANCE COMPANY | $4K | $699 | $5K | 17.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | VISION SERVICE PLAN | $799 | — | $799 | 4.35% |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | HEALTH RESOURCES, INC. | 197 | $135K |
| Vision(2 contracts) | VISION SERVICE PLAN | 157 | $54K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 580 | $114K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 580 | $114K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 580 | $26K |
| Other(4 contracts, 3 carriers) | AFLAC | 580 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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."
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.