| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP INC. | PO BOX 159 ROANOKE, IN 46783 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 8.37% |
| GIBSON INSURANCE AGENCY, INC.3 | 333 E JEFFERSON ST LOUIS BLVD PLYMOUTH, IN 46563 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 5.97% |
| CAIRNSTONE FINANCIAL LLC3 Filed as: CAIRNSTONE FINANCIAL, LLC | 8320 ALLISON POINTE BLVD INDIANAPOLIS, IN 46250 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET SUITE 400 SOUTHBEND, IN 466340177 | HCC LIFE INSURANCE COMPANY | $1K | — | $1K | 4.18% |
| GIBSON INSURANCE AGENCY, INC.3 | 333 E JEFFERSON ST LOUIS BLVD PLYMOUTH, IN 46563 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.92% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP INC. | 4315 E 900 S-92 ROANOKE, IN 46783 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.08% |
| HORIZON PLANNING GROUP3 | 9000 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 0.20% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP INC. | PO BOX 159 ROANOKE, IN 46783 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $779 | — | $779 | 6.39% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11177 SOUTHBEND, IN 46634 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $427 | — | $427 | 3.50% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 241 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 207 | $66K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 207 | $66K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 207 | $66K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 207 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.