| 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 | 4.79% |
| MARCIA M. HUMMEL3 | 2663 LAKE SHORE DRIVE NILES, MI 49120 | AFLAC | $934 | $0 | $934 | 3.96% |
| ELIZABETH ANN FIFFIE3 Filed as: ELIZABETH COURTNEY AND OTHER AGENTS | 4185 US HIGHWAY 1, SUITE 101 ROCKLEDGE, FL 32955 | AFLAC | $602 | $0 | $602 | 2.55% |
| KELLY G. WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZEWELL, TN 37879 | AFLAC | $345 | $0 | $345 | 1.46% |
| ROBERT L. FOWLER3 | 5720 ARROYO DUNES AVENUE LAS VEGAS, NV 89130 | AFLAC | $318 | $0 | $318 | 1.35% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | AFLAC | $235 | $0 | $235 | 1.00% |
| DANIEL L. BLACKETOR3 | 59701 MYRTLE ROAD SOUTH BEND, IN 46614 | AFLAC | $131 | $0 | $131 | 0.56% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LANE WESTFIELD, IN 46062 | AFLAC | $93 | $0 | $93 | 0.39% |
| KELLY G. WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZEWELL, TN 37879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $402 | $0 | $402 | 1.97% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY CAKE TRAIL PLYMOUTH, IN 46563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | $0 | $260 | 1.28% |
| DAVID J MCCLELLAN3 Filed as: DAVID KREMER | 3550 PARK PLACE WEST MISHAWAKA, IN 46545 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | $0 | $113 | 0.55% |
| ERIN PEDERSON3 | 8405 VININGS WAY KNOXVILLE, TN 37919 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.33% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 5511 MOSER KNOB RAOD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | $0 | $66 | 0.32% |
| MOLLIE ZIGELNIK3 Filed as: MOLLIE ZIGELNIK AND OTHER AGENTS | PO BOX 6695 SEVIERVILLE, TN 37864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.30% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 2427 COVERED BRIDGE BOULEVARD KNOXVILL, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.20% |
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 | 584 | 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) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 584 | $470K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 584 | $494K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 584 | $470K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 584 | $514K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.