| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAM J. LANTER3 | 4016 TOWNSFAIR WAY, SUITE 202 COLUMBUS, OH 43219 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.20% |
| CHERYL A. EVANS3 | 4016 TOWNSFAIR WAY, SUITE 202 COLUMBUS, OH 43219 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.16% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $605 | $0 | $605 | 0.16% |
| MARCIA M. HUMMEL3 | 2663 LAKE SHORE DRIVE NILES, MI 49120 | AFLAC | $1K | $0 | $1K | 3.73% |
| KELLY G. WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZEWELL, TN 37879 | AFLAC | $944 | $0 | $944 | 2.50% |
| DAVID R KREMER3 Filed as: DAVID R. KREMER AND OTHER AGENTS | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | AFLAC | $887 | $0 | $887 | 2.35% |
| ROBERT L. FOWLER3 | 5720 ARROYO DUNES AVENUE LAS VEGAS, NV 89130 | AFLAC | $475 | $0 | $475 | 1.26% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | AFLAC | $441 | $0 | $441 | 1.17% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LANE WESTFIELD, IN 46062 | AFLAC | $192 | $0 | $192 | 0.51% |
| DANIEL L. BLACKETOR3 | 59701 MYRTLE ROAD SOUTH BEND, IN 46614 | AFLAC | $187 | $0 | $187 | 0.49% |
| KELLY G. WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZEWELL, TN 37879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $884 | $0 | $884 | 3.52% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $582 | $0 | $582 | 2.32% |
| DAVID J MCCLELLAN3 Filed as: DAVID KREMER | 3550 PARK PLACE WEST MISHAWAKA, IN 46545 | CONTINENTAL AMERICAN INSURANCE COMPANY | $255 | $0 | $255 | 1.02% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | UNKNOWN COLUMBUS, OH 43229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | $0 | $148 | 0.59% |
| ERIN PEDERSON3 | 8405 VININGS WAY KNOXVILLE, TN 37919 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | $0 | $134 | 0.53% |
| MARK A WOJDA3 Filed as: MARK WOJDA AND OTHER AGENTS | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | $0 | $101 | 0.40% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 2427 COVERED BRIDGE BOULEVARD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | $0 | $73 | 0.29% |
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 | 597 | 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) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 598 | $376K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 598 | $413K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 598 | $376K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 598 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.