| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIPS BENEFITS ADVISORS LLC3 | 6920 POINTE INVERNESS WAY STE 230 FORT WAYNE, IN 46804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| ONI RISK PARTNERS INC3 | 600 EAST 96TH STREET P.O. BOX 80159 INDIANAPOLIS, IN 462800519 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.55% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.13% |
| PHILLIPS BENEFITS ADVISORS LLC3 | 6920 POINTE INVERNESS WAY STE 230 FORT WAYNE, IN 46804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| ONI RISK PARTNERS INC3 | 600 EAST 96TH STREET P.O. BOX 80159 INDIANAPOLIS, IN 46280 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.90% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.15% |
| PHILLIPS BENEFITS ADVISORS LLC3 | 6920 POINTE INVERNESS WAY STE 230 FORT WAYNE, IN 46804 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| HORIZON PLANNING GROUP3 | 9000 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.08% |
| PHILLIPS BENEFITS ADVISORS LLC3 | 6920 POINTE INVERNESS WAY STE 230 FORT WAYNE, IN 468047296 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PHILLIPS BENEFITS ADVISORS LLC3 | 6920 POINTE INVERNESS WAY STE 230 FORT WAYNE, IN 46804 | HARTFORD LIFE AND ACCIDENT | $203 | — | $203 | 14.98% |
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 | 1,120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,120 | $216K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 531 | $163K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,120 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,120 | — |
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.