| 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 | GREENWICH INSURANCE COMPANY | $60K | — | $60K | 7.23% |
| PRO-CLAIM PLUS INC5 Filed as: PRO-CLAIM PLUS INC. | 1700 MAGNAVOX WAY, STE 202 FORT WAYNE, IN 46804 | GREENWICH INSURANCE COMPANY | — | $36K | $36K | 4.40% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE CHAPEL PYLE, INC. | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 8.41% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE & CHAPEL INC. | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 13.79% |
| MICHELLE L SEXTON3 Filed as: MICHELLE SEXTON | 220 INSURANCE DR STE A FORT WAYNE, IN 46825 | AFLAC | $684 | $52 | $736 | 5.49% |
| JONATHAN DAVID BESWARICK3 Filed as: JONATHAN BESWARICK | 220 INSURANCE DR FORT WAYNE, IN 46825 | AFLAC | $165 | $9 | $174 | 1.30% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS SHIPE | 11037 BROADWAY STE C CROWN POINT, IN 46307 | AFLAC | $72 | — | $72 | 0.54% |
| SUE E. JOHNSON3 | 3492 E 100 N GREENFIELD, IN 46140 | AFLAC | $60 | — | $60 | 0.45% |
| DONALD E SPRINGER3 | 5715 RIVER RUN TRL FORT WAYNE, IN 46825 | AFLAC | $52 | — | $52 | 0.39% |
| JUSTIN E FINTON3 | 112 S ANDERSON ST ELWOOD, IN 46036 | AFLAC | $42 | — | $42 | 0.31% |
| LINDA JOHNSON3 | 7263 BRAXTON DR NOBLESVILLE, IN 46062 | AFLAC | $33 | — | $33 | 0.25% |
| KRISTINA A. ESSENBERG3 | 1200 N 290 W ANGOLA, IN 46703 | AFLAC | $32 | — | $32 | 0.24% |
| 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 | $24 | — | $24 | 0.18% |
| KYLE L KAUFFMAN3 | PO BOX 1877 WARSAW, IN 46581 | AFLAC | $12 | — | $12 | 0.09% |
| 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 | 0.07% |
| MICHAEL E MITMAN3 | 908 N WAYNE ST STE B ANGOLA, IN 46703 | AFLAC | $10 | — | $10 | 0.07% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN GLAUB | 54369 30TH ST. SOUTH BEND, IN 46635 | AFLAC | $9 | — | $9 | 0.07% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $6 | — | $6 | 0.04% |
| CHARLES D. BLOCK3 Filed as: CHARLES GRAY | 3122 MARIAS DR FORT WAYNE, IN 46815 | AFLAC | $6 | — | $6 | 0.04% |
| 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% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 16258 DOGWOOD LANE PLYMOUTH, IN 46563 | 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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GREENWICH INSURANCE COMPANY | 265 | $850K |
| Dental(2 contracts, 2 carriers) | GREENWICH INSURANCE COMPANY | 265 | $850K |
| Vision(2 contracts, 2 carriers) | GREENWICH INSURANCE COMPANY | 265 | $850K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 151 | $51K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 93 | $117K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 151 | $38K |
| Prescription drug(2 contracts, 2 carriers) | GREENWICH INSURANCE COMPANY | 265 | $850K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GREENWICH INSURANCE COMPANY | 265 | $850K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 151 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.