| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.64% |
| MARCIA M. HUMMEL3 | 2663 LAKE SHORE DRIVE NILES, MI 49120 | AFLAC | $1K | $0 | $1K | 3.84% |
| ELIZABETH ANN FIFFIE3 Filed as: ELIZABETH COURTNEY & OTHER AGENTS | 4185 US HIGHWAY 1, SUITE 101 ROCKLEDGE, FL 32955 | AFLAC | $798 | $0 | $798 | 2.56% |
| KELLY G. WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZEWELL, TN 37879 | AFLAC | $512 | $0 | $512 | 1.64% |
| ROBERT L. FOWLER3 | 5720 ARROYO DUNES AVENUE LAS VEGAS, NV 89130 | AFLAC | $391 | $0 | $391 | 1.26% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | AFLAC | $320 | $0 | $320 | 1.03% |
| DANIEL L. BLACKETOR3 | 59701 MYRTLE ROAD SOUTH BEND, IN 46614 | AFLAC | $159 | $0 | $159 | 0.51% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LANE WESTFIELD, IN 46062 | AFLAC | $133 | $0 | $133 | 0.43% |
| KELLY G. WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZEWELL, TN 37879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $682 | $0 | $682 | 3.13% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | $0 | $447 | 2.05% |
| DAVID J MCCLELLAN3 Filed as: DAVID KREMER | 3550 PARK PLACE WEST MISHAWAKA, IN 46545 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | $0 | $195 | 0.89% |
| ERIN PEDERSON3 | 8405 VININGS WAY KNOXVILLE, TN 37919 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | $0 | $124 | 0.57% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDS KNOBS, OH 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | $0 | $113 | 0.52% |
| MARK A WOJDA3 Filed as: MARK WOJDA & OTHER AGENTS | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.36% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 2427 COVERED BRIDGE BOULEVARD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 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 | 572 | 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) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 572 | $484K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 572 | $516K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 572 | $484K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 572 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.
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.