| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL HOVANEC3 | 3711 RUPP DRIVE SUITE 103 FORT WAYNE, IN 46815 | KANSAS CITY LIFE | $7K | — | $7K | 11.46% |
| PREMIER MKTNG GRP AGCY INC3 | 10214 CHESTNUT PLAZA DRIVE # 301 FORT WAYNE, IN 46814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| INNOVATIVE BROKER SOLUTIONS LTD3 | 9405 BORMET DRIVE SUITE 3 MOKENA, IL 60448 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| PREMIER MKTNG GRP AGCY INC3 | 10214 CHESTNUT PLAZA DRIVE # 301 FORT WAYNE, IN 46814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | — | $614 | $614 | 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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | KANSAS CITY LIFE | 182 | $63K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE | 182 | $76K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE | 182 | $89K |
| Other | KANSAS CITY LIFE | 182 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.