| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 2.50% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $10K | $4K | $14K | 21.89% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKENS INS AGENC | 4000 SMITH ROAD SUITE 400 CINCINNATI, OH 40209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | $10K | — | $10K | 15.00% |
| MICHAEL C CARTER3 | 6651 NORTH GRAY ROAD MOORESVILLE, IN 46158 | AFLAC | $7K | $362 | $8K | 13.56% |
| RITA J ABRAM3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $3K | $72 | $3K | 4.88% |
| ROBERT W BURGETT3 | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46241 | AFLAC | $1K | $72 | $2K | 2.75% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | AFLAC | $223 | $72 | $295 | 0.52% |
| JOHN TYLER & ASSOCIATES3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $72 | — | $72 | 0.13% |
| JOHNNY B TATE3 | 2415 SALEM PARK DRIVE INDIANAPOLIS, IN 46239 | AFLAC | $24 | — | $24 | 0.04% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 114 | $65K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 114 | $65K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 114 | $65K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 100 | $162K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 114 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.