| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $307 | $0 | $307 | 4.79% |
| KITTE L ALLEN3 Filed as: KITTE L. ALLEN | 678 WALNUT WOODS DRIVE GREENWOOD, IN 46142 | AFLAC | $191 | $0 | $191 | 2.98% |
| MEREDITH P CONLON3 Filed as: MEREDITH P. CONLON | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $139 | $0 | $139 | 2.17% |
| CANDACE QUILL3 | 742 PINE LAKE DRIVE GREENWOOD, IN 46143 | AFLAC | $122 | $0 | $122 | 1.90% |
| ROSALIND M GONZALEZ3 Filed as: ROSALIND GONZALEZ AND OTHER AGENTS | 57 WINGATE STREET, SUITE 401 HAVERHILL, MA 01832 | AFLAC | $85 | $0 | $85 | 1.33% |
| ASHLEY SHAW LLC3 Filed as: ASHLEY SHAW, LLC | 2501 SOUTH MADISON AVENUE INDIANAPOLIS, IN 46225 | AFLAC | $62 | $0 | $62 | 0.97% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BENEFIT SOLUTIONS, LLC | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $38 | $0 | $38 | 0.59% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 14 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.