| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NXTGEN, LLC3 | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | SYMETRA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.94% |
| VOLUNTARY BENEFIT PLANS LLC3 | PO BOX 51590 INDIANAPOLIS, IN 46251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 1.18% |
| VOLUNTARY BENEFITS SOLUTIONS3 Filed as: VOLUNTARY BENEFITS SOLUTIONS, INC. | 4533 FOX RUN ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.59% |
| JOHN W COURT3 Filed as: JOHN W. COURT | 1326 SHALIMAR DRIVE FORT WAYNE, IN 46845 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.25% |
| DAVID HAMPTON3 | 4910 W. ARLINGTON PARK BLVD. FT. WAYNE, IN 46835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.12% |
| EDUCATED BENEFITS LLC3 | 7263 BRAXTON DRIVE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| JOHN W COURT3 Filed as: JOHN W. COURT | 1326 SHALIMAR DRIVE FORT WAYNE, IN 46845 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 2.11% |
| VOLUNTARY BENEFIT PLANS LLC3 | PO BOX 51590 INDIANAPOLIS, IN 46251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.99% |
| ONB INSURANCE GROUP INC.3 | 1111 CHESTNUT HILLS PARKWAY FT. WAYNE, IN 46814 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.88% |
| VOLUNTARY BENEFITS SOL LLC3 Filed as: VOLUNTARY BENEFIT SOLUTIONS INC. | 4533 FOX RUN ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.49% |
| EDUCATED BENEFITS LLC3 | 7263 BRAXTON DRIVE NOBLESVILLE, IN 46062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.48% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY D. BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.45% |
| HOWARD HOROWITZ3 | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.12% |
| GARY A INERSON3 Filed as: GARY INERSON | 12576 BLUE HOLLY DRIVE-APT 12 NOBLESVILLE, IN 46060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.11% |
| JOE GORDON3 | 5417 WINTHROP AVE. INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.10% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $907 | $5K | 78.24% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $321 | $2K | 103.83% |
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 | 674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $17K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 126 | $22K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 674 | $86K |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 674 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.