| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANNY S. DONLEY3 | 4815 UPPER BERKSHIRE FLOWERY BRANCH, GA 30542 | STANDARD INSURANCE COMPANY | $81K | $0 | $81K | 2.75% |
| DANNY S. DONLEY3 | 4815 UPPER BERKSHIRE FLOWERY BRANCH, GA 30542 | STANDARD INSURANCE COMPANY | $243K | $0 | $243K | 18.40% |
| SPECTRUM SOURCE BROKERAGE3 | 9535 EAST 59TH STREET, SUITE C INDIANAPOLIS, IN 46216 | STANDARD INSURANCE COMPANY | $196K | — | $196K | 14.88% |
| CHRISTOPHER A. BUSSEY3 Filed as: CHRISTOPHER ALAN | 636 MANHATTAN AVENUE, UNIT A HERMOSA BEACH, CA 90254 | STANDARD INSURANCE COMPANY | $48K | $0 | $48K | 3.62% |
| BRIAN L. HETTMANSPERGER SR.3 Filed as: BRIAN L. HETTMANSPERGER, SENIOR | 10835 BENTWATER LANE FISHERS, IN 46037 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 1.48% |
| STEPHEN E. CROWE3 | 9535 EAST 59TH STREET, SUITE C INDIANAPOLIS, IN 46216 | STANDARD INSURANCE COMPANY | $517 | $0 | $517 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF OHIO | $20K | $1K | $21K | 2.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $89K | $6K | $96K | 38.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.30% |
| DANNY S. DONLEY3 Filed as: DANNY DONLEY | 13260 SAN VINCENTE BOULEVARD FISHERS, IN 46038 | PETERSEN INTERNATIONAL UNDERWRITERS | $5K | $0 | $5K | 9.52% |
| CHRISTOPHER A. BUSSEY3 Filed as: CHRISTOPHER ALAN | 858 NORTH FRANKLIN STREET, UNIT 204 CHICAGO, IL 60610 | PETERSEN INTERNATIONAL UNDERWRITERS | $5K | $0 | $5K | 9.52% |
| SOURCE BROKERAGE, INC.3 | 9535 EAST 59TH STREET, SUITE C INDIANAPOLIS, IN 46216 | PETERSEN INTERNATIONAL UNDERWRITERS | $3K | $0 | $3K | 4.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 16.22% |
| NELSON, WOODIS & SULLIVAN, INC.3 Filed as: NELSON, WOODIS AND SULLIVAN, INC. | 600 SOUTH HIGHWAY 169, SUITE 680 MINNEAPOLIS, MN 55426 | THE PAUL REVERE LIFE INSURANCE COMPANY | $930 | $0 | $930 | 3.03% |
| DAVID S. NELSON3 | 600 SOUTH HIGHWAY 169, SUITE 680 SAINT LOUIS PARK, MN 55426 | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | $100 | $100 | 0.33% |
| NELSON, WOODIS & SULLIVAN, INC.3 Filed as: NELSON, WOODIS AND SULLIVAN, INC. | 600 SOUTH HIGHWAY 169, SUITE 680 MINNEAPOLIS, MN 55426 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.70% |
| SURE LIFE FINANCIAL GROUP LLC3 Filed as: SURE LIFE FINANCIAL GROUP, LLC | 24118 WEST CHICAGO STREET SUITE 100 PLAINFIELD, IL 60554 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $401 | $0 | $401 | 4.58% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PARKWAY, SUITE 102 ORLAND PARK, IL 60467 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $393 | $0 | $393 | 4.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $724 | $0 | $724 | 8.39% |
| M FINANCIAL HOLDINGS INC3 Filed as: M. FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $100 | $100 | 1.16% |
| DAVID S. NELSON3 | 600 SOUTH HIGHWAY 169, SUITE 680 SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $90 | $0 | $90 | 1.04% |
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 | 1,765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 2,891 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,414 | $151K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,492 | $3.0M |
| Long-term disability(7 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 1,492 | $4.4M |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,492 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,891 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.