| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A PEEL3 Filed as: ROBERT A. PEEL | 14212 VESTAL COURT CARMEL, IN 46033 | COMPANION LIFE INSURANCE COMPANY | $1K | $5 | $1K | 8.98% |
| INSURANCE BROKERAGE ALTERNATIVE3 Filed as: INSURANCE BROKERAGE ALTERNATIVE LLC | 14212 VESTAL COURT CARMEL, IN 46033 | COMPANION LIFE INSURANCE COMPANY | $659 | $5 | $664 | 4.51% |
| ROBERT A PEEL3 Filed as: ROBERT A. PEEL | 14212 VESTAL COURT CARMEL, IN 46033 | COMPANION LIFE INSURANCE COMPANY | $435 | $5 | $440 | 11.04% |
| INSURANCE BROKERAGE ALTERNATIVE3 Filed as: INSURANCE BROKERAGE ALTERNATIVE LLC | 14212 VESTAL COURT CARMEL, IN 46033 | COMPANION LIFE INSURANCE COMPANY | $218 | $5 | $223 | 5.59% |
| ROBERT A PEEL3 | 14212 VESTAL COURT CARMEL, IN 46033 | COMPANION LIFE INSURANCE COMPANY | $1K | $5 | $1K | 46.81% |
| INSURANCE BROKERAGE ALTERNATIVE3 Filed as: INSURANCE BROKERAGE ALTERNATIVE, LL | 14212 VESTAL COURT CARMEL, IN 46033 | COMPANION LIFE INSURANCE COMPANY | $507 | $5 | $512 | 23.52% |
| INSURANCE BROKERAGE ALTERNATIVE3 | 14212 VESTAL COURT CARMEL, IN 46033 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $22 | — | $22 | 5.76% |
| KENNETH W JACKSON II3 | 520 MORSE LANDING DRIVE CICERO, IN 46034 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $17 | — | $17 | 4.45% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 50 | $15K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 43 | $4K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 95 | $2K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 44 | $11K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 95 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.