| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN GREENCASTLE, IN 46135 | IU HEALTH PLANS | $36K | $0 | $36K | 4.13% |
| BILLY KIRKHAM3 | 1052 NORTH 38TH STREET TERRE HAUTE, IN 46239 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $11K | $31K | 17.08% |
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC. | 11495 PENNSYLVANIA STREET SUITE 200 CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 3.08% |
| LARRY BRYAN KELSHEIMER3 | 3915 WEST THRALLS AVENUE WEST TERRE HAUTE, IN 47885 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $332 | $4K | 2.27% |
| BRIAN KEITH ADAMS3 | 6410 IDA STREET INDIANAPOLIS, IN 46241 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $801 | $0 | $801 | 0.44% |
| JUSTIN WILLIAM RONEY & OTHER AGENTS3 | 9610 GULL LAKE DRIVE INDIANAPOLIS, IN 46239 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $719 | $15 | $734 | 0.41% |
| ROBERT EARL PETERS3 | 307 GARDENDALE ROAD TERRE HAUTE, IN 47803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $432 | $0 | $432 | 0.24% |
| KIENIAH RAEL CAGE3 | 9 NORTH 5TH STREET TERRE HAUTE, IN 47809 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $344 | $37 | $381 | 0.21% |
| ASSUREDPARTNERS3 | 10 EAST MAIN STREET, SUITE 400 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IU HEALTH PLANS | 99 | $863K |
| Dental | STANDARD INSURANCE COMPANY | 127 | $46K |
| Vision | STANDARD INSURANCE COMPANY | 127 | $46K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 127 | $226K |
| Prescription drug | IU HEALTH PLANS | 99 | $863K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 127 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.