| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH PHELPS3 Filed as: DEBORAH C PHELPS | 65 WESTFIELD BLVD INDIANAPOLIS, IN 46208 | HEALTH RESOURCES, INC. | $6K | $0 | $6K | 10.00% |
| DEBORAH PHELPS3 Filed as: DEBORAH C. PHELPS | PO BOX 30228 INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.40% |
| JUDITH H SKARBECK3 | 420 W SPRING MILL LANE INDIANAPOLIS, IN 46260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | $0 | $327 | 1.08% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $0 | $260 | 0.86% |
| JOE GORDON3 | 5417 WINTHROP AVENUE INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $152 | $255 | 0.84% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY D. BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $2 | $232 | 0.77% |
| VOLUNTARY BENEFITS SOL LLC3 Filed as: VOLUNTARY BENEFIT SOLUTIONS INC | 4533 FOX RUN ROAD LOUISVILLE, KY 40207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.13% |
| JOSEPH M CUTTER3 | 624 GRIFFIN ROAD INDIANAPOLIS, IN 46227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.07% |
| VOLUNTARY BENEFIT PLANS LLC3 | PO BOX 51590 INDIANAPOLIS, IN 46251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.04% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 8490 MALLARD CT. PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| RICHARD CLOSE3 | 4303 TRUEMAN BLVD HILLIARD, OH 43026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES INC. | 1400 OPUS PLACE, SUITE 830 DOWNERS GROVE, IL 60515 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.58% |
| DEBORAH PHELPS3 Filed as: DEBORAH C. PHELPS | 65 W WESTFIELD BLVD. INDIANAPOLIS, IN 46208 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.42% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES INC. | 1400 OPUS PLACE, SUITE 830 DOWNERS GROVE, IL 60515 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $936 | $0 | $936 | 5.78% |
| DEBORAH PHELPS3 Filed as: DEBORAH C. PHELPS | 65 W WESTFIELD BLVD INDIANAPOLIS, IN 46208 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $684 | $0 | $684 | 4.22% |
| DEBORAH PHELPS3 Filed as: DEBORAH C PHELPS | 65 W WESTFIELD BLVD INDIANAPOLIS, IN 46208 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.52% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HEALTH RESOURCES, INC. | 218 | $69K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $16K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $20K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 60 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.