| 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 | 4.74% |
| 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 | 12.99% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DRIVE LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $654 | — | $654 | 9.84% |
| MICHAEL A KRAMER3 | 131 E HIGH STREET LAWRENCEBURG, OH 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $395 | — | $395 | 5.94% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD-STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $301 | — | $301 | 4.53% |
| MARK L HUFHAND3 Filed as: MARK L HUFAND | 1664 N MAIN ST-STE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 1.05% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD - SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | — | $359 | 10.50% |
| MICHAEL A KRAMER3 | 131 E HIGH STREET LAWRENCEBURG, IN 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 4.50% |
| KATIE MIRACLE AGENCY3 | 733 WINDFIELD DRIVE LOVELAND, OH 45140 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $160 | — | $160 | 6.63% |
| MICHAEL A KRAMER3 | 131 E HIGH STREET LAWRENCEBURG, IN 47025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97 | — | $97 | 4.02% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILLMINGTON ROAD-STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 3.23% |
| MARK L HUFHAND3 | 1664 N MAIN ST-STE 7 NORTH CANTON, OH 44720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.75% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP | 131 EAST HIGH STREET LAWRENCEBURG, IN 47025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $167 | — | $167 | 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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 8 | $3K |
| Dental | DELTA DENTAL OF OHIO | 199 | $69K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $28K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 7 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $25K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 141 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.