| 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 | $49K | — | $49K | 8.11% |
| PRO-CLAIM PLUS INC5 Filed as: PRO-CLAIM PLUS INC. | 1700 MAGNAVOX WAY, STE 202 FORT WAYNE, IN 46804 | UNITED STATES FIRE INSURANCE COMPANY | — | $43K | $43K | 7.11% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE CHAPEL PYLE, INC. | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 12.27% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE & CHAPEL INC. | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 13.73% |
| MICHELLE L SEXTON3 Filed as: MICHELLE SEXTON | 220 INSURANCE DR STE A FORT WAYNE, IN 46825 | AFLAC | $428 | — | $428 | 3.32% |
| JONATHAN DAVID BESWARICK3 Filed as: JONATHAN BESWARICK | 220 INSURANCE DR FORT WAYNE, IN 46825 | AFLAC | $133 | — | $133 | 1.03% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS SHIPE | 11037 BROADWAY STE C CROWN POINT, IN 46307 | AFLAC | $80 | — | $80 | 0.62% |
| SUE E. JOHNSON3 | 3492 E 100 N GREENFIELD, IN 46140 | AFLAC | $60 | — | $60 | 0.47% |
| DONALD E SPRINGER3 | 5715 RIVER RUN TRL FORT WAYNE, IN 46825 | AFLAC | $52 | — | $52 | 0.40% |
| JUSTIN E FINTON3 | 112 S ANDERSON ST ELWOOD, IN 46036 | AFLAC | $42 | — | $42 | 0.33% |
| LINDA JOHNSON3 | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | AFLAC | $33 | — | $33 | 0.26% |
| KRISTINA A. ESSENBERG3 | 1200 N 290 W ANGOLA, IN 46703 | AFLAC | $32 | — | $32 | 0.25% |
| JEREMY JAY JOHNSON3 Filed as: JEREMY JOHNSON | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | AFLAC | $29 | — | $29 | 0.22% |
| SHERIE L SUMPTER3 Filed as: SHERIE SUMPTER | 140 EMS B48 LANE WARSAW, IN 46582 | AFLAC | $25 | — | $25 | 0.19% |
| KYLE L KAUFFMAN3 | PO BOX 1877 WARSAW, IN 46581 | AFLAC | $13 | — | $13 | 0.10% |
| JOHN THOMPSON3 | 4602 NEWAYGO RD FORT WAYNE, IN 46808 | AFLAC | $12 | — | $12 | 0.09% |
| RICHARD YOUNGBERG3 | PO BOX 6100 OCEANSIDE, CA 92058 | AFLAC | $10 | — | $10 | 0.08% |
| MICHAEL E MITMAN3 | 908 N WAYNE ST STE B ANGOLA, IN 46703 | AFLAC | $10 | — | $10 | 0.08% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN GLAUB | 54369 30TH ST. SOUTH BEND, IN 46635 | AFLAC | $9 | — | $9 | 0.07% |
| JOEL GOSS3 | 1363 JACOBS DRIVE FORT WAYNE, IN 46814 | AFLAC | $6 | — | $6 | 0.05% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $6 | — | $6 | 0.05% |
| CHARLES D. BLOCK3 Filed as: CHARLES GRAY | 3122 MARIAS DR FORT WAYNE, IN 46815 | AFLAC | $6 | — | $6 | 0.05% |
| BERN MCGRANE3 | 4380 3RD ROAD BREMEN, IN 46506 | AFLAC | $3 | — | $3 | 0.02% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $3 | — | $3 | 0.02% |
| CARRIE S FLATEN3 Filed as: CARRIE SCHRAMM | 10418 PRETTY LAKE TRL PLYMOUTH, IN 46563 | AFLAC | $3 | — | $3 | 0.02% |
| JOHN TYLER & ASSOCIATES3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $1 | — | $1 | 0.01% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN T CLANCY3 Filed as: JOHN CLANCY | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $1 | — | $1 | 0.01% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA ROWE | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $1 | — | $1 | 0.01% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 278 | $634K |
| Dental(2 contracts, 2 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 278 | $634K |
| Vision(2 contracts, 2 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 278 | $634K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 142 | $48K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 88 | $74K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 142 | $35K |
| Prescription drug(2 contracts, 2 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 278 | $634K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 278 | $634K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 142 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.