| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGN CONSULTING INC.3 | 300 MAIN STREET SUITE 401 LAFAYETTE, IN 479011349 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.57% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP INC. | 10401 NORTH MERIDIAN STREET SUITE 200 INDIANAPOLIS, IN 462900901 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.53% |
| PARADIGM PB LLC3 Filed as: PARADIGM CONSULTING INC. | P.O. BOX 998 LAFAYETTE, IN 47902 | AFLAC | $7K | — | $7K | 18.44% |
| JOHN L RADTKE3 | 4524 EAST FOXMOOR LANE LAFAYETTE, IN 47905 | AFLAC | $3K | $377 | $3K | 7.88% |
| JEFFREY V GULICK3 | 816 BUR OAK COURT EAST LAFAYETTE, IN 47909 | AFLAC | $3K | $202 | $3K | 7.24% |
| JULIE ANN RADTKE3 | 4524 EAST FOXMOOR LANE LAFAYETTE, IN 47905 | AFLAC | $965 | — | $965 | 2.56% |
| MATTHEW D SMITH3 | 11142 SAINT CHARLES PLACE CARMEL, IN 46033 | AFLAC | $624 | $122 | $746 | 1.98% |
| BRIAN P BUTZ3 | 96 WOODS EDGE COURT WEST LAFAYETTE, IN 47906 | AFLAC | $167 | $192 | $359 | 0.95% |
| DANIEL L DEINES3 | 1515 CONGRESS STREET LAFAYETTE, IN 47905 | AFLAC | $68 | $72 | $140 | 0.37% |
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 | 270 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $97K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $97K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $97K |
| Short-term disability | AFLAC | 0 | $38K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.