| 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 | 5.27% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | 16805 W. CLEVELAND AVE NEW BERLIN, WI 53151 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DALE E WASHBURN0 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $710 | $82 | $792 | 4.85% |
| LESLIE MAXWELL0 | 1111 SPRINGRIDGE COURT MILFORD, OH 45150 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | $0 | $310 | 1.90% |
| LANA L WILHITE LLC0 Filed as: LANA L. WILHITE LLC | 3046 S. DELEWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $44 | $187 | 1.14% |
| TGL ASSOCIATES LLC0 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $31 | $137 | 0.84% |
| AMY J ARMSTRONG LLC0 Filed as: AMY ARMSTRONG LLC | 10169 FALCON RIDGE DRIVE INDEPENDENCE, KY 41051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $4 | $52 | 0.32% |
| JULIE M BAYER0 | 5557 TWIN LAKES CT CINCINNATI, OH 45247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.21% |
| ROBERT ANTHONY MARTIN0 Filed as: ROBERT MARTIN | 1225 NORTHWEST 21ST STREET STUART, FL 34994 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.07% |
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 | 404 | 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) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 467 | $103K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 467 | $143K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 26 | $16K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 26 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.