| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM R. JOHNSON3 | 770 OVERBROOK DRIVE JASPER, IN 47546 | AFLAC | $2K | $44 | $2K | 6.04% |
| JAMES R STROSNIDER3 Filed as: JAMES R. STROSNIDER | 704 SE 1TH STREET WASHINGTON, IN 47501 | AFLAC | $831 | $44 | $875 | 2.65% |
| LAUREL A SEGER3 Filed as: LAUREL A. SEGER | 902A MAIN STREET JASPER, IN 47546 | AFLAC | $682 | $18 | $700 | 2.12% |
| MJ INSURANCE3 Filed as: CHRIS GEHLHAUSEN AND VARIOUS AGENTS | 101 PLAZA EAST BOULEVARD SUITE 317 EVANSVILLE, IN 47715 | AFLAC | $582 | $0 | $582 | 1.76% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE L. JUSTUS | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $442 | $18 | $460 | 1.39% |
| HASTINGS WILLIAMS AGENCY, INC.3 Filed as: HASTINGS WILLIAMS AGENCY | PO BOX 2310 WASHINGTON, IN 47501 | AFLAC | $378 | $0 | $378 | 1.14% |
| ROBERT D WAKE3 Filed as: ROBERT D. WAKE | PO BOX 87 WASHINGTON, IN 47501 | AFLAC | $314 | $0 | $314 | 0.95% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $800 | $355 | $1K | 21.65% |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 50 | $33K |
| Vision | AFLAC | 50 | $33K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 94 | $38K |
| Short-term disability | AFLAC | 50 | $33K |
| Other(2 contracts, 2 carriers) | AFLAC | 94 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.