| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE DEHAYES GROUP3 | 11118 COLDWATER RD FORT WAYNE, IN 46845 | PARAMOUNT HEALTHCARE | $41K | — | $41K | 6.03% |
| NXTGEN, LLC3 Filed as: NXTGEN LLC | 1118 COLDWATER RD, STE 100 FORT WAYNE, IN 46845 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | — | $9K | 12.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $1K | $1K | 1.79% |
| NXT GEN LLC DBA THE DEHAYES GROUP3 | 11118 COLDWATER RD,-SUITE 100 FORT WAYNE, IN 46845 | SUPERIOR DENTAL CARE, INC. | $3K | $865 | $4K | 12.64% |
| NXTGEN, LLC3 Filed as: NXTGEN LLC DBA THE DEHAYES GROUP | 11118 COLDWATER RD FORT WAYNE, IN 46845 | METROPOLITAN LIFE INSURANCE COMPANY-SUPERIOR VISION PLAN | $603 | — | $603 | 9.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY-SUPERIOR VISION PLAN | $131 | — | $131 | 2.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY-SUPERIOR VISION PLAN | $12 | — | $12 | 0.19% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARAMOUNT HEALTHCARE | 115 | $681K |
| Dental | SUPERIOR DENTAL CARE, INC. | 90 | $33K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY-SUPERIOR VISION PLAN | 106 | $6K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $79K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $79K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $79K |
| Prescription drug | PARAMOUNT HEALTHCARE | 115 | $681K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 169 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.