| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER MARKETING GROUP AGENCY INC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.51% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.99% |
| PREMIER MARKETING GROUP AGENCY INC3 | 10214 CHESTNUT PLAZA DRIVE PMB 301 FORT WAYNE, IN 46814 | METRPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METRPOLITAN LIFE INSURANCE COMPANY | $1K | $449 | $2K | 5.45% |
| EMPLOYEE BENEFITS SOLUTIONS3 Filed as: EMPLOYEE BENEFITS SOLUTIONS INC | 2609 WEST BROOK DRIVE MUNCIE, IN 47304 | METRPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.85% |
| PERMIER MARKETING GROUP AGENCY INC3 | 10214 CHESTNUT PLAZA DRIVE #301 FORT WAYNE, IN 46814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 9405 BORMET DRIVE SUITE 3 MOKENA, IL 60448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| DANIEL HOVANEC3 | 3711 RUPP DRIVE SUITE 103 FORT WAYNE, IN 46815 | KANSAS CITY LIFE | $3K | — | $3K | 10.97% |
| PREMIER MARKETING GROUP AGENCY INC3 Filed as: PREMIER MARKETING GROUP ACENCY INC | 10214 CHESTNUT PLAZA DRIVE #301 FORT WAYNE, IN 46814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOULUTIONS LTD | 9405 BORMET DRIVE SUITE 3 MOKENA, IL 60448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $647 | $647 | 5.00% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 123 | $71K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 123 | $71K |
| Life insurance(2 contracts, 2 carriers) | METRPOLITAN LIFE INSURANCE COMPANY | 187 | $60K |
| Short-term disability(2 contracts, 2 carriers) | METRPOLITAN LIFE INSURANCE COMPANY | 187 | $47K |
| Long-term disability(2 contracts, 2 carriers) | METRPOLITAN LIFE INSURANCE COMPANY | 187 | $62K |
| Other(2 contracts, 2 carriers) | METRPOLITAN LIFE INSURANCE COMPANY | 187 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.