| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NXTGEN, LLC3 Filed as: NXTGEN LLC | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | SYMETRA LIFE INSURANCE COMPANY | $16K | $5K | $20K | 15.69% |
| NXTGEN, LLC3 Filed as: NXTGEN DBA THE DEHAYES GROUP | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | DELTA DENTAL OF INDIANA | $4K | — | $4K | 4.36% |
| NXTGEN, LLC3 | 11118 COLDWATER ROAD- #100 FT WAYNE, IN 46845 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 10.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD - #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $224 | -$20 | $204 | 7.61% |
| NXTGEN, LLC3 | 11118 COLDWATER ROAD - #100 FORT WAYNE, IN 46845 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 18.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD - #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | -$37 | -$37 | -2.21% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 327 | $91K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 147 | $130K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 147 | $130K |
| Long-term disability(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 147 | $134K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 147 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.