| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP INC OF IN | 131 E HIGH STREET LAWRENCEBURG, IN 47025 | DELTA DENTAL OF OHIO | $3K | — | $3K | 4.40% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP | 131 EAST HIGH STREET LAWRENCEBURG, IN 47025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP | 131 EAST HIGH STREET LAWRENCEBURG, IN 47025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.98% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DRIVE LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 30.79% |
| MICHAEL A KRAMER3 | 131 E HIGH STREET LAWRENCEBURG, OH 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 18.29% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD-STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $745 | — | $745 | 13.14% |
| MARK L HUFHAND3 Filed as: MARK L HUFAND | 1664 N MAIN ST-STE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 2.75% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD - SUITE 100 NBEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $314 | — | $314 | 10.49% |
| MICHAEL A KRAMER3 | 131 E HIGH STREET LAWRENCEBURG, IN 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 4.51% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DRIVE LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $777 | — | $777 | 29.63% |
| MICHAEL A KRAMER3 | 131 E HIGH STREET LAWRENCEBURG, IN 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $463 | — | $463 | 17.66% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILLMINGTON ROAD-STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $323 | — | $323 | 12.32% |
| MARK L HUFHAND3 | 1664 N MAIN ST-STE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 2.75% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP | 131 EAST HIGH STREET LAWRENCEBURG, IN 47025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104 | — | $104 | 9.97% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 11 | $3K |
| Dental | DELTA DENTAL OF OHIO | 206 | $75K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $26K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 7 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $18K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 133 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.