| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAM J. LANTER3 | 4016 TOWNSFAIR WAY, SUITE 202 COLUMBUS, OH 43219 | ONEAMERICA | $11K | $0 | $11K | 6.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 8.10% |
| MARCIA M. HUMMEL3 | 51327 HOLLYHOCK ROAD SOUTH BEND, IN 46637 | AFLAC | $1K | $0 | $1K | 3.85% |
| MJ INSURANCE3 Filed as: DAVID R. KREMER AND VARIOUS AGENTS | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | AFLAC | $780 | $4 | $784 | 2.30% |
| KELLY G. WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZWELL, TN 37879 | AFLAC | $584 | $21 | $605 | 1.78% |
| ROBERT L. FOWLER3 | 5720 ARROYO DUNES AVENUE LAS VEGAS, NV 89130 | AFLAC | $427 | $0 | $427 | 1.25% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | AFLAC | $416 | $4 | $420 | 1.23% |
| DANIEL L. BLACKETOR3 | 59701 MYRTLE ROAD SOUTH BEND, IN 46614 | AFLAC | $171 | $0 | $171 | 0.50% |
| BENJAMIN HUNTER3 | 11193 GUY STREET FISHERS, IN 46038 | AFLAC | $151 | $0 | $151 | 0.44% |
| KELLY G. WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZWELL, TN 37879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $931 | $0 | $931 | 3.42% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $642 | $0 | $642 | 2.36% |
| DAVID J MCCLELLAN3 Filed as: DAVID KREMER | 3550 PARK PLACE WEST MISHAWAKA, IN 46545 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | $0 | $278 | 1.02% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDSKNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | $0 | $162 | 0.60% |
| ERIC PEDERSON3 | 123 CENTER PARK DRIVE, SUITE 102 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | $0 | $140 | 0.51% |
| MJ INSURANCE3 Filed as: MARK WOJDA AND VARIOUS AGENTS | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | $0 | $94 | 0.35% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 2427 COVERED BRIDGE BOULEVARD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | $0 | $69 | 0.25% |
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 | 523 | 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) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | ONEAMERICA | 544 | $303K |
| Long-term disability(2 contracts, 2 carriers) | ONEAMERICA | 544 | $303K |
| Other(4 contracts, 4 carriers) | ONEAMERICA | 544 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.