| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRO-CLAIM PLUS INC5 Filed as: PRO-CLAIM PLUS INC. | 1700 MAGNAVOX WAY, STE 201 FORT WAYNE, IN 46804 | COMPANION LIFE INSURANCE CO | — | $44K | $44K | 7.83% |
| ACRISURE LLC3 Filed as: ACRISURE | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | COMPANION LIFE INSURANCE CO | $23K | — | $23K | 4.01% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM & FLOWER AGENCY OF IN, INC. | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | COMPANION LIFE INSURANCE CO | $20K | — | $20K | 3.63% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE & CHAPEL INC | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $229 | $9K | 15.39% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS, LTD | 9405 BORMET DR STE 3 MOKENA, IL 60448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE & CHAPEL INC | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $200 | $8K | 15.39% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS, LTD | 9405 BORMET DR STE 3 MOKENA, IL 60448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| RDD MARKETING, INC.3 Filed as: RDD MARKETING | 9649 SIMSBURY CT TWINSBURG, OH 44087 | HCC LIFE | $1K | — | $1K | 5.00% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 14.71% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE & CHAPEL INC | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $92 | $2K | 10.39% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS, LTD | 9405 BORMET DR STE 3 MOKENA, IL 60448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $714 | $714 | 3.00% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE & CHAPEL INC | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $54 | $2K | 10.36% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS, LTD | 9405 BORMET DR STE 3 MOKENA, IL 60448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $450 | $450 | 3.00% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 27.97% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE & CHAPEL INC | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $48 | $1K | 10.38% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS, LTD | 9405 BORMET DR STE 3 MOKENA, IL 60448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $375 | $375 | 3.00% |
| DEVORE & CHAPEL, INC.3 Filed as: DEVORE & CHAPEL INC | 10441 ILLINOIS ROAD FORT WAYNE, IN 46814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $592 | $23 | $615 | 10.39% |
| INNOVATIVE BROKER SOLUTIONS LTD3 Filed as: INNOVATIVE BROKER SOLUTIONS, LTD | 9405 BORMET DR STE 3 MOKENA, IL 60448 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $178 | $178 | 3.01% |
| MICHELLE L SEXTON3 | 12302 HUMMINGBIRD CV FORT WAYNE, IN 46845 | AFLAC | $150 | — | $150 | 3.39% |
| NICHOLAS DEAN SHIPE3 | 11037 BROADWAY STE C CROWN POINT, IN 46307 | AFLAC | $72 | — | $72 | 1.63% |
| DONALD E SPRINGER3 | 3670 SUN STONE WAY NEW HAVEN, IN 46774 | AFLAC | $52 | — | $52 | 1.18% |
| JONATHAN DAVID BESWARICK3 | 250 ESTATES DRIVE GIBSONIA, PA 15044 | AFLAC | $33 | — | $33 | 0.75% |
| JUSTIN E FINTON3 | 112 S ANDERSON ST ELWOOD, IN 46036 | AFLAC | $32 | — | $32 | 0.72% |
| SUE E. JOHNSON3 | 3492 E 100 N GREENFIELD, IN 46140 | AFLAC | $27 | — | $27 | 0.61% |
| SHERIE L SUMPTER3 | 140 EMS B48 LANE WARSAW, IN 46582 | AFLAC | $25 | — | $25 | 0.56% |
| KRISTINA A. ESSENBERG3 | 1200 N 290 W ANGOLA, IN 46703 | AFLAC | $14 | — | $14 | 0.32% |
| KYLE L KAUFFMAN3 | 1524 W FRANTZ ST WARSAW, IN 46580 | AFLAC | $13 | — | $13 | 0.29% |
| MICHAEL E MITMAN3 | 908 N WAYNE ST STE B ANGOLA, IN 46703 | AFLAC | $10 | — | $10 | 0.23% |
| CHARLES L GRAY3 | 3122 MARIAS DR FORT WAYNE, IN 46815 | AFLAC | $6 | — | $6 | 0.14% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB RD FLOYDS KNOBS, IN 47119 | AFLAC | $5 | — | $5 | 0.11% |
| JOHN F GLAUB3 | 54369 30TH ST. SOUTH BEND, IN 46635 | AFLAC | $3 | — | $3 | 0.07% |
| MATTHEW A COOK3 | 10069 BENT TREE LN FISHERS, IN 46037 | AFLAC | $2 | — | $2 | 0.05% |
| CARRIE C SCHRAMM3 | 10147 PRETTY LAKE TRL PLYMOUTH, IN 46563 | AFLAC | $1 | — | $1 | 0.02% |
| MARK A WOJDA3 | 16258 DOGWOOD LANE PLYMOUTH, IN 46563 | AFLAC | $1 | — | $1 | 0.02% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $1 | — | $1 | 0.02% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE CT PLAINFIELD, IN 46168 | AFLAC | $1 | — | $1 | 0.02% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE CO | 279 | $587K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE CO | 279 | $587K |
| Vision(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE CO | 279 | $587K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $68K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $15K |
| Prescription drug(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE CO | 279 | $587K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE CO | 279 | $587K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
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.