| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NET INSURANCE INC3 | 11019 CHESTNUT RIDGE COURT FORT WAYNE, IN 46814 | GERBER LIFE INSURANCE COMPANY | $21K | — | $21K | 5.31% |
| JULIANNE LASSUS | 11019 CHESTNUT RDG. CT. FORT WAYNE, IN 46814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| JULIANNE LASSUS3 | 11019 CHESTNUT RDG. CT. FORT WAYNE, IN 46814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.59% |
| JULIANNE LASSUS | 11019 CHESTNUT RDG. CT. FORT WAYNE, IN 46814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JULIANNE LASSUS | 11019 CHESTNUT RDG. CT. FORT WAYNE, IN 46814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $926 | — | $926 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRO-CLAIM PLUS INC. EIN 35-1938551 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 1700 MAGNAVOX WAY, SUITE 202 FORT WAYNE, IN 46804 | $46K |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE COMPANY | 182 | $389K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $52K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $29K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 53 | $26K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.