| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: KITTE L. ALLEN AND VARIOUS AGENTS | 678 WALNUT WOODS DRIVE GREENWOOD, IN 46142 | AFLAC | $302 | $46 | $348 | 4.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $291 | $0 | $291 | 3.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | AFLAC | $158 | $0 | $158 | 1.95% |
| MEREDITH P CONLON3 Filed as: MEREDITH P. CONLON | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $149 | $0 | $149 | 1.84% |
| CANDACE QUILL3 | 2505 JOUST DRIVE GREENWOOD, IN 46143 | AFLAC | $77 | $8 | $85 | 1.05% |
| BONNIE DROBNES3 | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $63 | $0 | $63 | 0.78% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BENEFIT SOLUTIONS, LLC | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $52 | $0 | $52 | 0.64% |
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 | 6 | 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) | 6 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 13 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.