| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $3K | $27K | 9.70% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 440 POLARIS PARKWAY WESTERVILLE, OH 43082 | PRINCIPAL LIFE INSURANCE COMPANY | -$3K | $221 | -$3K | -1.04% |
| MARCIA M. HUMMEL3 Filed as: MARCIA HUMMEL | 51327 HOLLYHOCK ROAD SOUTH BEND, IN 46637 | AFLAC | $2K | — | $2K | 3.64% |
| KELLY G. WENTZ3 Filed as: KELLY WENTZ | 790 NORTH CEDAR BLUFF ROAD KNOXVILLE, TN 37923 | AFLAC | $1K | — | $1K | 2.53% |
| MJ INSURANCE3 Filed as: DAVID KREMMER AND VARIOUS AGENTS | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | AFLAC | $1K | — | $1K | 2.28% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL MARTINDALE | 1001 NORTH HICKORY ROAD, SUITE 3 SOUTH BEND, IN 46615 | AFLAC | $634 | — | $634 | 1.35% |
| ROBERT L. FOWLER3 Filed as: ROBERT FOWLER | 5720 ARROYO DUNES AVENUE LAS VEGAS, NV 89130 | AFLAC | $522 | — | $522 | 1.11% |
| BENJAMIN HUNTER3 | 11193 GUY STREET FISHERS, IN 46038 | AFLAC | $288 | — | $288 | 0.61% |
| DANIEL L. BLACKETOR3 Filed as: DANIEL BLACKETOR | 59701 MYRTLE ROAD SOUTH BEND, IN 46614 | AFLAC | $203 | — | $203 | 0.43% |
| KELLY G. WENTZ3 | 9307 HAVENBROOK WAY KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.18% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY CAKE TRAIL PLYMOUTH, IN 46563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $721 | — | $721 | 2.36% |
| DAVID J MCCLELLAN3 Filed as: DAVID KREMER | 3550 PARK PLACE WEST MISHAWAKA, IN 46545 | CONTINENTAL AMERICAN INSURANCE COMPANY | $317 | — | $317 | 1.04% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.61% |
| MJ INSURANCE3 Filed as: MOLLIE ZIGELNIK AND VARIOUS AGENTS | PO BOX 6695 SEVIERVILLE, TN 37864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.58% |
| ERIN PEDERSON3 | 123 CENTER PARK DRIVE, SUITE 102 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 0.53% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 2427 COVERED BRIDGE BOULEVARD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 0.44% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 501 | $274K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 501 | $274K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 501 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.