| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREEMAN WILL & NIEMEIER3 | PO BOX 6930 EVANSVILLE, IN 47719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FREEMAN WILL & NIEMEIER3 Filed as: FREEMAN WILL & NIEMEIER INC | PO BOX 6930 EVANSVILLE, IN 47719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| FREEMAN WILL & NIEMEIER3 Filed as: FREEMAN WILL NIEMEIER, INC. | P.O. BOX 6930 EVANSVILLE, IN 477190930 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $297 | — | $297 | 11.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIFIED GROUP SERVICES, INC EIN 35-1973675 INSURANCE BROKER | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $37K |
| GERMAN AMERICAN INSURANCE INSURANCE BROKER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 21 SOUTHEAST THIRD STREET SUITE 200 EVANSVILLE, IN 47708 | $29K |
| ASCENSION ST VINCENT | Other fees Service code 99 | — | $8K |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $3K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 25 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $20K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.