| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| V AND S MARKETING3 Filed as: MARKETING DIVERSIFIED SERVICES INC | 7605 WESTFIELD DR FORT WAYNE, IN 46783 | SYMETRA LIFE INSURANCE COMPANY | $69K | — | $69K | 9.17% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE AGENCY INC | 50 N BROCKWAY ST STE5-2 PALATINE, IL 60067 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.83% |
| V AND S MARKETING3 Filed as: MARKETING DIVERSIFIED SERVICES | 7605 WESTFIELD DR FORT WAYNE, IN 46783 | SYMETRA LIFE INSURANCE COMPANY | $15K | — | $15K | 11.68% |
| CURTIS LARSON3 Filed as: CURTIS J MILLS | 7605 WESTFIELD DR FORT WAYNE, IN 46825 | SYMETRA LIFE INSURANCE COMPANY | $41 | — | $41 | 15.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUTOMATED GROUP ADMINISTRATION INC ADMINISTRATOR | Claims processing Service code 12 | 7605 WESTFIELD DRIVE FORT WAYNE, IN 46825 | $197K |
| PARKVIEW OCCUPATIONAL HEALTH NONE | Other services Service code 49 | 3415 HOBSON RD FORT WAYNE, IA 46805 | $24K |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 397 | $126K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 2 | $267 |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 397 | $126K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 361 | $749K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 397 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.