| 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 | -$24 | $5K | 5.36% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 27.70% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | ANTHEM LIFE INSURANCE COMPANY | $869 | — | $869 | 3.50% |
| DALE E WASHBURN3 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 1.78% |
| LANA L WILHITE LLC3 Filed as: LANA L. WILHITE LLC | 3046 S. DELEWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.34% |
| AMY J ARMSTRONG LLC3 Filed as: AMY ARMSTRONG LLC | 10169 FALCON RIDGE DRIVE INDEPENDENCE, KY 41051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.22% |
| JULIE M BAYER3 | 5557 TWIN LAKES CT CINCINNATI, OH 45247 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.20% |
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| ROBERT ANTHONY MARTIN3 Filed as: ROBERT MARTIN | PO BOX 1516 FLORENCE, KY 41022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| DEBORAH L MCCURTER3 Filed as: DEBORAH MCCURTER | 3046 S. DELEWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $96K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 377 | $134K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $14K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.