| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 4.10% |
| PREMIER MKG GRP AGC INC3 Filed as: PREMIER MKG GRP AGCY INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.01% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $649 | $649 | 0.90% |
| PREMIER MKG GRP AGC INC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $415 | — | $415 | 0.57% |
| PREMIER MARKETING GROUP AGENCY INC3 | 10214 CHESTNUT PLAZA DR PMB 301 FORT WAYNE, IN 46814 | METRPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.70% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METRPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 10.63% |
| EMPLOYEE BENEFIT SOLUTIONS INC3 | 2609 W BROOK DR MUNCIE, IN 47304 | METRPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.49% |
| TERRY L LOTHAMER3 Filed as: TERRY LOTHAMER | 4319 WEST CLARA LN PMB 327 MUNCIE, IN 47304 | KANSAS CITY LIFE | $750 | — | $750 | 8.33% |
| DANIEL HOVANEC3 | 3711 RUPP DRIVE SUITE 103 FORT WAYNE, IN 46815 | KANSAS CITY LIFE | $138 | — | $138 | 1.53% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 120 | $72K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 120 | $72K |
| Life insurance(2 contracts, 2 carriers) | METRPOLITAN LIFE INSURANCE COMPANY | 169 | $66K |
| Short-term disability | METRPOLITAN LIFE INSURANCE COMPANY | 166 | $57K |
| Long-term disability | METRPOLITAN LIFE INSURANCE COMPANY | 166 | $57K |
| Other(2 contracts, 2 carriers) | METRPOLITAN LIFE INSURANCE COMPANY | 169 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.