| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITAL SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.76% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 NORTH CAPITAL SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.77% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $944 | $944 | 4.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC | 1402 NORTH CAPITAL SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $753 | $753 | 3.19% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $920 | $920 | 4.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITAL SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $788 | $788 | 3.43% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $869 | $869 | 4.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL INC. | 1402 NORTH CAPITAL SUITE 400 INDIANAPOLIS, IN 46202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $704 | $704 | 3.24% |
| J L BASS & ASSOCIATES3 Filed as: J.L. BASS AND ASSOCIATES INC. | 6558 OLIVE BRANCH LANE INDIANAPOLIS, IN 46237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $768 | — | $768 | 11.92% |
| BRYAN W HARPER3 | 921 YELLOW PINE COURT INDIANAPOLIS, IN 46217 | CONTINENTAL AMERICAN INSURANCE COMPANY | $491 | — | $491 | 7.62% |
| MICHAEL DUANE ARNOLD3 Filed as: MICHAEL D ARNOLD | 8604 ALLISONVILLE ROAD SUITE 110 INDIANAPOLIS, IN 46250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | — | $288 | 4.47% |
| HOLLY L MOSS3 | 1165 WESTHAVEN BOULEVARD FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | — | $245 | 3.80% |
| ROBERT W BURGETT3 | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 3.35% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA R LARSON | 801 LAUDERDALE DRIVE LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 1.92% |
| JORDAN S SMITH3 | 4751 TROULDALE DRIVE SUITE 106 NASHVILLE, TN 37220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.84% |
| MARSHA S TALLEY3 | 5401 NORTH VOGEL ROAD SUITE 410 EVANSVILLE, IN 47715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.54% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.51% |
| DAVID M CRUMLEY3 | 101 GILLESPIE DRIVE APARTMENT 8204 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.47% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.43% |
| ROBERT WRIGHT3 | 3980 CORBY ROAD UNIONTOWN, OH 44685 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.39% |
| JERAD C CROOKS3 | 2211 HIGHLANDER DRIVE WARSAW, IN 46580 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.31% |
| JAMES A BURRESS3 | 445 HUTCHINSON AVENUE SUITE 820 COLUMBUS, OH 43235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.26% |
| WARREN REID HAVENOR3 Filed as: WARREN R HAVENOR | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.25% |
| DALE I DAVIS3 | 15 MACARTHUR PLACE 1008 SANTA ANA, CA 92707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.23% |
| HEAVEN DAWN NORTH3 Filed as: HEAVEN D NORTH | 768 LENNOX COURT TIPP CITY, OH 45371 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.22% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 14220 OVERBROOK DIRVE CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.17% |
| MELODY ANN WRENN3 Filed as: MELODY A WRENN | 145 RED WILLOW ROAD STATE COLLEGE, PA 16801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.16% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.12% |
| YEN H HUYNH3 | 1224 NW 29TH STREET OKLAHOMA CITY, OK 73106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.12% |
| BRANDI L. HUZYAK3 Filed as: BRANDI L PHILLIPS | 727 JENNINGS AVENUE SALEM, OH 44460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| TRACY L COX3 | 2559 MULBERRY DRIVE SEYMOUR, IN 47274 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L ROWE | 8333 CATCH FLY DRIVE PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| JOHN T CLANCY3 | 4025 PETE DYE BOULEVARD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| MICHAEL P JONES3 | 8375 DIX ELLLIS TRAIL SUITE 409 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| TARA SCHNAUS3 | 3060 NORTH WALNUT RIDGE COURT JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHER, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| GREGORY S FRY3 | P.O. BOX 283 OLD HICKORY, TN 37138 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| KATIE MALISSA URAN3 | 218 SHERIDAN STREET CROWN POINT, IN 46307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE LEEPER | 707 ASTER COURT BOURBON, IN 46504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| JOHN D SUSIE3 | 8682 HAWICK COURT NORTH DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| YEN H HUYNH3 | 1224 NW 29TH STREET OKLAHOMA CITY, OK 73106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| JON R OVERACRE3 | 916 SOUTH WICKSHIRE WAY BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| PAULA GAIL NEAL3 Filed as: PAULA C CUTTER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| HARE AND ASSOCIATES LLC3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| MICHAEL R REBER3 | 20101 HERON CROSSING TAMPA, FL 33647 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| TERRI L DAIGLE3 Filed as: TERRI L DIAGLE | 145 PATRIOTS LANDING FILLMORE, IN 46128 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| THOMAS A HOUSE3 | 2133 QUAIL HOLLOW DRIVE BRUNSWICK, OH 44212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| SUSAN MOSER3 | 11051 BROADWAY SUITE C CROWN POINT, IN 46307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| CHRIS A GEHLHAUSEN3 Filed as: CHRIS GEHLHAUSEN | 2602 NEWTON STREET JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| BERNADETTE PAVLICK3 | 681 JAMES ROAD COLUMBUS, OH 43219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| BRIAN J DAY3 | 8744 UNION CENTRE BOULEVARD WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| JOSHUA LEE JONES3 Filed as: JOSHUA L JONES | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| STEVE C BRANNON3 Filed as: STEVE C BANNON JR | 2812 BURNING TREE MOUNTAIN ROAD DECATUR, AL 35603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| VBTN, INC3 Filed as: VBTN, INC. | 200 GLENN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOCIATIES LLC | 470 OLDE WORTHINGON ROAD SUITE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| KELLY J WARREN3 | 11051 BROADWAY SUITE C CROWN POINT, IN 46307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| PERRY L CALVERT3 | 2400 CO ROAD 1678 CULLMAN, AL 35058 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| JOHN C POLLOCK3 | 6410 GUILFORD DRIVE PENSACOLA, FL 32504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 1,109 | 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) | 1,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 577 | $115K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,109 | $101K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 175 | $22K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 319 | $47K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,109 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,109 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.