| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 8.43% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.26% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | $1K | — | $1K | 5.65% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $94 | $0 | $94 | 0.50% |
| JANE A. KATTER3 Filed as: JANE KATTER | PO BOX 81 JASPER, IN 47546 | AFLAC | $767 | $108 | $875 | 6.11% |
| MARSHA S TALLEY3 Filed as: MARSHA TALLEY | 4295 W PEBBLE DRIVE JASPER, IN 47546 | AFLAC | $263 | $14 | $277 | 1.94% |
| MJ INSURANCE3 Filed as: CHRIS GEHLHAUSEN AND VARIOUS AGENTS | 873 3RD AVENUE JASPER, IN 47546 | AFLAC | $277 | $0 | $277 | 1.94% |
| HYLANT GROUP INC3 | PO BOX 40925 INDIANAPOLIS, IN 46240 | AFLAC | $220 | $0 | $220 | 1.54% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE JUSTUS | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $150 | $0 | $150 | 1.05% |
| KYLE ELLISON3 | 3524 ELMRIDGE DRIVE EVANSVILLE, IN 47711 | AFLAC | $95 | $14 | $109 | 0.76% |
| LAUREL A SEGER3 Filed as: LAUREL SEGER | 902A MAIN STREET JASPER, IN 47546 | AFLAC | $54 | $0 | $54 | 0.38% |
| JANE A. KATTER3 Filed as: JANE KATTER | PO BOX 81 JASPER, IN 47546 | AFLAC | $103 | $0 | $103 | 2.38% |
| HYLANT GROUP INC | PO BOX 40925 INDIANAPOLIS, IN 46240 | AFLAC | $56 | $0 | $56 | 1.30% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE JUSTUS | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $51 | $0 | $51 | 1.18% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP AND VARIOUS AGENTS | 6714 POINTE IVERNESS WAY, SUITE 100 FORT WAYNE, IN 46804 | AFLAC | $51 | $0 | $51 | 1.18% |
| MARSHA S TALLEY3 Filed as: MARSHA TALLEY | 4295 W PEBBLE DRIVE JASPER, IN 47546 | AFLAC | $35 | $0 | $35 | 0.81% |
| LAUREL A SEGER3 Filed as: LAUREL SEGER | 902A MAIN STREET JASPER, IN 47546 | AFLAC | $28 | $0 | $28 | 0.65% |
| ANGELA FAYE PFAFF3 Filed as: ANGELA PFAFF | 2722 S 130W HUNTINGBURG, IN 47542 | AFLAC | $26 | $0 | $26 | 0.60% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $152K |
| Vision | VISION SERVICE PLAN | 79 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $152K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $152K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $152K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.