| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.53% |
| JOSEPH M GOSSMAN JR3 Filed as: JOSEPH GOSSMAN | 17836 BIRCH BEND CIRCLE LOUISVILLE, KY 40023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $312 | $0 | $312 | 2.39% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | 224 TACKLEBOX LANE MURRAY, KY 42071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $210 | $0 | $210 | 1.61% |
| PROFESSIONAL INS ENROLLERS LLC3 Filed as: PROFESSIONAL INS. ENROLLERS, LLC | 10418 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.31% |
| MARK FRANKLIN SCHWITZ3 Filed as: MARK SCHWITZ FRANKLIN | 15031 DURHAM WAY EAST GRANGER, IN 46530 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.16% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 150 | $58K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 150 | $58K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 126 | $50K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 126 | $50K |
| Other(5 contracts, 5 carriers) | ANTHEM LIFE INSURANCE COMPANY | 260 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.