| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIPS BENEFITS ADVISORS LLC3 | 6920 POINTE INVERNESS WAY SUITE 230 FORT WAYNE, IN 468047296 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.34% |
| PHYSICIANS HEALTH PLAN OF NORTHERN3 Filed as: PHYSICIANS HEALTH PLAN OF NI | 8101 WEST JEFFERSON BOULEVARD FORT WAYNE, IN 46804 | COMPANION LIFE INSURANCE COMPANY | $2K | $5 | $2K | 6.14% |
| SUMMIT REINSURANCE SERVICES INC3 Filed as: SUMMIT REINSURANCE SERVICES INC. | 7030 POINTE INVERNESS WAY SUITE 350 FORT WAYNE, IN 46804 | COMPANION LIFE INSURANCE COMPANY | $626 | $5 | $631 | 2.02% |
| MARK D BRINEY3 | 110 WEST BERRY STREET SUITE 1600 FORT WAYNE, IN 46802 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $2K | $561 | $3K | 15.35% |
| MATTHEW LOUIS HENRY3 | 110 WEST BERRY STREET SUITE 1600 FORT WAYNE, IN 46802 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $405 | $96 | $501 | 2.57% |
| KIECKER CORPORATION3 | 111 MONUMENT CIRCLE SUITE 3800 INDIANAPOLIS, IN 46204 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $360 | $32 | $392 | 2.01% |
| FINDLEY FINANCIAL CORP3 | 7030 POINTE INVERNESS WAY SUITE 200 FORT WAYNE, IN 46804 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 19.89% |
| UNIFIED EMPLOYEE BENEFITS3 | 2900 SOUTH 70TH STREET SUITE 300 LINCOLN, NE 68506 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.50% |
| FINDLEY FINANCIAL CORP3 Filed as: FINDLEY FINANCIAL CORP. | 7030 POINTE INVERNESS WAY SUITE 200 FORT WAYNE, IN 46804 | TRANSAMERICA LIFE INSURANCE COMPANY | $713 | — | $713 | 5.27% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA, INC. | 216 | $1.5M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 119 | $31K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $60K |
| Prescription drug | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA, INC. | 216 | $1.5M |
| Other(5 contracts, 5 carriers) | COMPANION LIFE INSURANCE COMPANY | 162 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.