| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HANNER FINANCIAL SERVICES INC3 | 4020 25TH ST SUITE A COLUMBUS, IN 472033161 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.58% |
| LESLIE MAXWELL3 | 2323 WOODBEND CIRCLE NEW PORT RICHEY, FL 95670 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | — | $4K | 16.94% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | P.O. BOX 510187 NEW BERLIN, WI 53151 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 8.13% |
| LESLIE MAXWELL3 | 1111 SPRINGRIDGE COURT MILFORD, OH 45150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.63% |
| DALE E WASHBURN0 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $831 | $100 | $931 | 5.07% |
| TGL ASSOCIATES LLC0 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $42 | $145 | 0.79% |
| AMY J ARMSTRONG LLC0 Filed as: AMY ARMSTRONG LLC | 8617 N RED MILE TRAIL FLORENCE, KY 41042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $15 | $82 | 0.45% |
| JULIE M BAYER0 | 5557 TWIN LAKES CT CINCINNATI, OH 45247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $3 | $54 | 0.29% |
| ROBERT ANTHONY MARTIN0 Filed as: ROBERT A MARTIN | 1008 ARISTIDES DRIVE UNION, KY 41091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $1 | $51 | 0.28% |
| LANA L WILHITE LLC0 Filed as: LANA L. WILHITE LLC | 3046 S. DELEWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $9 | $38 | 0.21% |
| URANIA WYNPERLE0 | 1531 BLUE HORIZON DRIVE CLERMONT, FL 34714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.10% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $96K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $141K |
| Short-term disability(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 419 | $70K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.