| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW W. SCHNIPKE3 | 6714 POINTE INVERNESS WAY, #210 FORT WAYNE, IN 46804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| JOHN W COURT3 Filed as: JOHN W. COURT | 3201-B STELLHORN ROAD FORT WAYNE, IN 46815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $88 | $192 | 1.10% |
| VOLUNTARY BENEFIT PLANS LLC3 | 2345 S. LYNHURST DRIVE INDIANAPOLIS, IN 46241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.86% |
| VOLUNTARY BENEFITS SOLUTIONS3 | P.O. BOX 159 BEDFORD, IN 47421 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.43% |
| EDUCATED BENEFITS LLC3 | 7263 BRAXTON DRIVE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.38% |
| DAVID HAMPTON3 | 4910 W. ARLINGTON PARK BLVD. FT. WAYNE, IN 46835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| JOHN W COURT3 Filed as: JOHN W. COURT | 3201-B STELLHORN ROAD FORT WAYNE, IN 46815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | $271 | $591 | 5.20% |
| EDUCATED BENEFITS LLC3 | 7263 BRAXTON DRIVE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | — | $249 | 2.19% |
| VOLUNTARY BENEFIT PLANS LLC3 | 2345 S. LYNHURST DRIVE INDIANAPOLIS, IN 46241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.77% |
| VOLUNTARY BENEFITS SOL LLC3 Filed as: VOLUNTARY BENEFIT SOLUTIONS INC. | PO BOX 159 BEDFORD, IN 47421 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.39% |
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 | 602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 31 | $29K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 31 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 602 | $60K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 31 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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.