| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | $25K | $48K | 12.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | $12K | $48K | 27.05% |
| KELLY G. WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZEWELL, TN 37879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $521 | $0 | $521 | 0.57% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY CAKE TRAIL PLYMOUTH, IN 46563 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | $0 | $312 | 0.34% |
| DAVID J MCCLELLAN3 Filed as: DAVID KREMER | 3550 PARK PLACE WEST MISHAWAKA, IN 46545 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | $0 | $137 | 0.15% |
| ERIN PEDERSON3 Filed as: ERIN M. KRAGENBRINK | 8405 VININGS WAY KNOXVILLE, TN 37919 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | $0 | $109 | 0.12% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 2427 COVERED BRIDGE BOULEVARD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.07% |
| MARK A WOJDA3 Filed as: MARK WOJDA AND OTHER AGENTS | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.05% |
| MOLLIE ZIGELNIK3 | PO BOX 6695 SEVIERVILLE, TN 37864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.04% |
| MARCIA M. HUMMEL3 | 2663 LAKE SHORE DRIVE NILES, MI 49120 | AFLAC | $735 | $0 | $735 | 3.96% |
| MJ INSURANCE3 Filed as: MARK A. MANQUEN AND VARIOUS AGENTS | 61601 COTSWOLD DRIVE WASHINGTON, MI 48094 | AFLAC | $525 | $0 | $525 | 2.83% |
| KELLY G. WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZEWELL, TN 37879 | AFLAC | $271 | $0 | $271 | 1.46% |
| ROBERT L. FOWLER3 | 5720 ARROYO DUNES AVENUE LAS VEGAS, NV 89130 | AFLAC | $251 | $0 | $251 | 1.35% |
| PAUL M MARTINDALE3 Filed as: PAUL M. MARTINDALE | 10255 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | AFLAC | $180 | $0 | $180 | 0.97% |
| BENJAMIN HUNTER3 | 18401 AVEBURY LANE WESTFIELD, IN 46062 | AFLAC | $70 | $0 | $70 | 0.38% |
| ELIZABETH ANN FIFFIE3 Filed as: ELIZABETH A. COURTNEY | 4185 US HIGHWAY 1, SUITE 101 ROCKLEDGE, FL 32955 | AFLAC | $65 | $0 | $65 | 0.35% |
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 | 654 | 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) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 654 | $554K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 654 | $397K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 654 | $378K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 654 | $664K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.