| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNN M STEPPE3 | 1208 NORTH FARRIER STREET TERRA HAUTE, IN 47803 | AFLAC | $4K | $442 | $4K | 10.51% |
| WILLIAM RICHARD ELDEN3 | 400 WABASH AVENUE, SUITE B10 TERRE HAUTE, IN 47807 | AFLAC | $1K | $88 | $1K | 3.84% |
| ROBERT W BURGETT3 | 1701 WEST 18TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $811 | $88 | $899 | 2.33% |
| SYCAMORE INSURANCE ASSOCIATES, LLC3 Filed as: SYCAMORE INSURANCE ASSOCIATES LLC | 999 OHIO STREET TERRE HAUTE, IN 47807 | AFLAC | $443 | $0 | $443 | 1.15% |
| LAWRENCE M FIIORDELILSE3 | 6600 WEST PARKEWOOD ROAD ROSEDALE, IN 47874 | AFLAC | $346 | $0 | $346 | 0.90% |
| LARRY P WYNDHAM3 Filed as: LARRY WYNDHAM AND MISC AGENTS | 55 SOUTH FOREST AVENUE BRAZIL, IN 47834 | AFLAC | $329 | $0 | $329 | 0.85% |
| ONB INSURANCE GROUP INC.3 Filed as: ONB INSURANCE GROUP INC | PO BOX 9689 TERRE HAUTE, IN 47808 | AFLAC | $181 | $0 | $181 | 0.47% |
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 | 87 | 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) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 87 | $0 |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 87 | $0 |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 87 | $0 |
| Other(2 contracts, 2 carriers) | AFLAC | 87 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.