| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE AND CHAPEL, INC. | 10441 ILLINOIS RD FORT WAYNE, IN 468149181 | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | $44K | — | $44K | 2.88% |
| DEVORE & CHAPEL, INC.3 | 10441 ILLINOIS RD. FORT WAYNE, IN 468149181 | NATIONAL GUARDIAN LIFE | $13K | — | $13K | 9.35% |
| DEVORE & CHAPEL, INC.3 | 10441 ILLINOIS RD FORT WAYNE, IN 468149181 | AMERICAN UNITED LIFE INSURANCE CO. | $16K | $619 | $17K | 14.94% |
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 | 413 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PHYSICIANS HEALTH PLAN OF NORTHERN INDIANA INC. | 299 | $1.5M |
| Dental | NATIONAL GUARDIAN LIFE | 188 | $135K |
| Vision | NATIONAL GUARDIAN LIFE | 188 | $135K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE CO. | 413 | $114K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE CO. | 413 | $114K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE CO. | 413 | $114K |
| Other | AMERICAN UNITED LIFE INSURANCE CO. | 413 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.