| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE & CHAPEL INC. | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | UNITED STATES FIRE INSURANCE COMPANY | $42K | — | $42K | 10.54% |
| PRO-CLAIM PLUS INC5 Filed as: PRO-CLAIM PLUS INC. | 5620 COVENTRY LANE FORT WAYNE, IN 46804 | UNITED STATES FIRE INSURANCE COMPANY | $0 | $30K | $30K | 7.55% |
| UNIFIED EMPLOYEE BENEFITS3 | 2900 S 70TH ST SUITE 300 LINCOLN, NE 68506 | TRANSAMERICA LIFE INSURANCE CO. | $20K | — | $20K | 20.73% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE & CHAPEL INC. | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 13.82% |
| KEITH PRASKI3 | 795 LN 275 JIMMERSON LK ANGOLA, IN 46703 | AFLAC | $2K | — | $2K | 9.13% |
| MICHELLE L SEXTON3 Filed as: MICHELLE SEXTON | 220 INSURANCE DR STE A FORT WAYNE, IN 46825 | AFLAC | $436 | — | $436 | 2.17% |
| JONATHAN DAVID BESWARICK3 Filed as: JONATHAN BESWARICK | 220 INSURANCE DR STE A FORT WAYNE, IN 46825 | AFLAC | $284 | — | $284 | 1.41% |
| SUE E. JOHNSON3 | PO BOX 155 WOLFLAKE, IN 46796 | AFLAC | $270 | — | $270 | 1.34% |
| JOEL GOSS3 | 170 W 060 S LAGRANGE, IN 46761 | AFLAC | $145 | — | $145 | 0.72% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS SHIPE | 11037 BROADWAY STE C CROWN POINT, IN 46307 | AFLAC | $103 | — | $103 | 0.51% |
| KRISTINA A. ESSENBERG3 | 1200 N 290 W ANGOLA, IN 46703 | AFLAC | $72 | — | $72 | 0.36% |
| DONALD E SPRINGER3 | 200 INSURANCE DR., STE A FORT WAYNE, IN 46825 | AFLAC | $56 | — | $56 | 0.28% |
| JUSTIN E FINTON3 | 220 INSURANCE DR., SUITE A FORT WAYNE, IN 46825 | AFLAC | $53 | — | $53 | 0.26% |
| JEREMY JAY JOHNSON3 Filed as: JEREMY JOHNSON | 7263 BRAXTON DR. NOBLESVILLE, IN 46062 | AFLAC | $45 | — | $45 | 0.22% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN COURT | 11206 SHALIMAR DR FORT WAYNE, IN 46845 | AFLAC | $45 | — | $45 | 0.22% |
| LESTES NIVENS3 | 1201 LIMBERLOST TRL ROME CITY, IN 46784 | AFLAC | $36 | — | $36 | 0.18% |
| LINDA JOHNSON3 | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | AFLAC | $36 | — | $36 | 0.18% |
| CHARLES D. BLOCK3 Filed as: CHARLES GRAY | 1026 WESTGATE PL LOUISVILLE, KY 40207 | AFLAC | $34 | — | $34 | 0.17% |
| MICHAEL E MITMAN3 Filed as: MICHAEL E. MITMAN | 308 S SUPERIOR ST ANGOLA, IN 46703 | AFLAC | $28 | — | $28 | 0.14% |
| SHERRIE SUMPTER3 | 41 EMS T6A LANE LEESBURG, IN 46538 | AFLAC | $27 | — | $27 | 0.13% |
| SHIRLEY HILE3 | 5635 W 100 S KIMMELL, IN 46760 | AFLAC | $26 | — | $26 | 0.13% |
| JOHN THOMPSON3 | 4602 NEWAYGO RD FORT WAYNE, IN 46808 | AFLAC | $22 | — | $22 | 0.11% |
| HARROLD/HUGHES INSURANCE3 | 3775 N US 52 LEBANON, IN 46052 | AFLAC | $18 | — | $18 | 0.09% |
| DOUGLAS FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $16 | — | $16 | 0.08% |
| KYLE L KAUFFMAN3 | PO BOX 1877 WARSAW, IN 46581 | AFLAC | $14 | — | $14 | 0.07% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $14 | — | $14 | 0.07% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN GLAUB | 54369 30TH ST. SOUTH BEND, IN 46635 | AFLAC | $13 | — | $13 | 0.06% |
| BERN MCGRANE3 | 24593 BELMAR DR ELKHART, IN 46517 | AFLAC | $12 | — | $12 | 0.06% |
| IMELDA YOUNGBERG3 | 5176 BELLA COLLIMA ST OCEANSIDE, CA 92056 | AFLAC | $12 | — | $12 | 0.06% |
| MARSHA HUGHES3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $4 | — | $4 | 0.02% |
| BRADLEY K HARRISON3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.02% |
| JOHN TYLER & ASSOCIATES3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $1 | — | $1 | 0.00% |
| CARRIE S FLATEN3 Filed as: CARRIE SCHRAMM | 10418 PRETTY LAKE TRL PLYMOUTH, IN 46563 | AFLAC | $1 | — | $1 | 0.00% |
| AMY E COHEN3 Filed as: AMY GEHLHAUSEN | 3115 HOWARD RD JASPER, IN 47546 | AFLAC | $1 | — | $1 | 0.00% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN T CLANCY3 Filed as: JOHN CLANCY | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $1 | — | $1 | 0.00% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA ROWE | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $1 | — | $1 | 0.00% |
| DAYTON LLC3 | 324 OLD WOOD DR COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW NACHAZEL3 | 1001 N HICKORY RD STE 3 SOUTH BOUND, IN 46615 | AFLAC | $1 | — | $1 | 0.00% |
| ANGELA R CONDON3 Filed as: ANGELA CONDON | PO BOX 820 ROCHESTER, IN 46975 | AFLAC | $1 | — | $1 | 0.00% |
| CAROL PURDY FIELDS3 Filed as: CAROL THOMPSON | 51717 SUMMER WOOD CT GRANGER, IN 46530 | AFLAC | $1 | — | $1 | 0.00% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 293 | $496K |
| Dental | UNITED STATES FIRE INSURANCE COMPANY | 242 | $399K |
| Vision | UNITED STATES FIRE INSURANCE COMPANY | 242 | $399K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE CO. | 293 | $123K |
| Long-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE CO. | 293 | $123K |
| Prescription drug | UNITED STATES FIRE INSURANCE COMPANY | 242 | $399K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 242 | $399K |
| Other(4 contracts, 4 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 293 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.