| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBBINS MATHERLY DILS AGENCY3 | 36 SOUTH 9TH ST RICHMOND, IN 47374 | GUARDIAN | $9K | $2K | $11K | 11.46% |
| ROBBINS MATHERLY DILS AGENCY3 | PO BOX 1167 RICHMOND, IN 47375 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 20.40% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS ROAD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 13.22% |
| BEVERLY J STULL3 | 883 SOUTH STATE ROAD 3 RUSHVILLE, IN 46173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.38% |
| CHRISTINA JONES3 | 520 MAIN ST RUSHVILLE, IN 46173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.10% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L ROWE | 8333 CATCH FLY DRIVE PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BRIAN R BROWN | 8604 ALLISONVILLE ROAD INDIANAPOLIS, IN 46250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.10% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 135 | $94K |
| Vision | GUARDIAN | 135 | $94K |
| Life insurance | GUARDIAN | 135 | $94K |
| Short-term disability | GUARDIAN | 135 | $94K |
| Long-term disability | GUARDIAN | 135 | $94K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 135 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.