| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEWEY L ERWIN3 | 11133 OAKSPRING COURT INDIANAPOLIS, IN 46239 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 7.65% |
| MESSER & ASSOCIATES INC.3 | 5155 NORTH SHADELAND AVENUE INDIANAPOLIS, IN 46226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 7.43% |
| ROGLE INC3 Filed as: ROGLE INC. | 2116 NORTH PENNSYLVANIA STREET INDIANAPOLIS, IN 46202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $656 | $926 | $2K | 2.22% |
| VOLUNTARY BENEFIT PLANS LLC3 | P.O. BOX 51590 INDIANAPOLIS, IN 46251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $61 | $1K | 1.61% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $560 | $301 | $861 | 1.21% |
| JOSEPH SCHEIDLER3 | 6953 NORTH COLLEGE AVENUE INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 0.32% |
| GARY A INERSON3 | 12576 BLUE HOLLY DRIVE NOBLESVILLE, IN 46060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $8 | $135 | 0.19% |
| PAUL J BECHTOLD3 | 3767 FALLOW TRAIL NEW PALESTINE, IN 46163 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.11% |
| ROBERT W BURGETT3 Filed as: ROBERT DOERR | 16844 BURKET COURT WESTFIELD, IN 46074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.05% |
| JOHN C WERNER3 | 5555 NORTH TACOMA AVENUE SUITE 209 INDIANAPOLIS, IN 462203547 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.05% |
| AMERICAN INSURNET AGENCY INC3 Filed as: AMERICAN INSURNET AGENCY INC. | 644 LINN STREET SUITE 1100 CINCINNATI, OH 452031742 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 7.00% |
| JOHN C WERNER3 | 5555 NORTH TACOMA AVENUE SUITE 209 INDIANAPOLIS, IN 462203547 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.37% |
| AMERICAN INSURNET AGENCY INC3 Filed as: AMERICAN INSURNET AGENCY INC. | 644 LINN STREET SUITE 1100 CINCINNATI, OH 452031742 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.00% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $22K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 51 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.