| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOBIAS INSURANCE GROUP, INC3 | 10401 N. MERIDIAN STREET #300 INDIANAPOLIS, IN 46290 | ADVANTAGE HEALTH SOLUTIONS, INC. | $14K | — | $14K | 5.00% |
| TOBIAS INSURANCE GROUP, INC3 | 10401 N. MERIDIAN STREET #300 INDIANAPOLIS, IN 46290 | ADVANTAGE HEALTH SOLUTIONS, INC. | $1K | — | $1K | 0.50% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC | 3755 E 82ND STREET SUITE 100 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.84% |
| JOSEPH SCHEIDLER3 | 6953 NORTH COLLEGE AVE INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $145 | $4K | 13.05% |
| ROGLE INC3 Filed as: ROGLE, INC | 2116 N. PENNSYLVANIA ST. INDIANAPOLIS, IN 46202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | $314 | $585 | 2.09% |
| GARY A INERSON3 | 12576 BLUE HOLLY DR NOBLESVILLE, IN 46060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $78 | $291 | 1.04% |
| DENNIS W BYERS3 Filed as: DENNIS W. BYERS | 8739 PROMONTORY RD INDIANAPOLIS, IN 46236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | — | $217 | 0.77% |
| BRADFORD BOUTILIER3 Filed as: BRADFORD EUGENE BOUTILIER | 1350 WESTSOUTHPORT RD INDIANAPOLIS, IN 46217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $15 | $115 | 0.41% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY D. BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.39% |
| KATIE HANSILL3 | 9845 BIG BEND DRIVE INDIANAPOLIS, IN 46234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.24% |
| VOLUNTARY BENEFIT PLANS LLC3 | 2345 S. LYNHURST DRIVE INDIANAPOLIS, IN 46241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| CHRISTOPHER GEORGE LARAWAY3 | 4 MARYS COURT WHITELAND, IN 46184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 E 82ND ST STE 100 INDIANAPOLIS, IN 46240 | VISION SERVICE PLAN | $574 | — | $574 | 8.87% |
| IADA SERVICE INC3 | C/O TIMOTHY J. DOWLING EXEC VP INDIANAPOLIS, IN 46204 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $29 | $29 | 1.59% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ADVANTAGE HEALTH SOLUTIONS, INC. | 107 | $284K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $48K |
| Vision | VISION SERVICE PLAN | 53 | $6K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $76K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $48K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 5 | $2K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.