| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $20K | $2K | $22K | 10.14% |
| TOTALIS BENEFITS3 | 8777 N. GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.97% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, AZ 46240 | STANDARD INSURANCE COMPANY | $19K | $5K | $24K | 19.00% |
| TOTALIS BENEFITS3 | 8777 N. GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, TX 85258 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 4.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.21% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 205 N LAKE ST WARSAW, IN 46580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $0 | $25K | 23.75% |
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC | 11495 PENNSYLVANIA ST STE 200 CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 5.55% |
| SHANNON LONGENECKER3 | 75 EMS T34C LN LEESBURG, IN 46538 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.93% |
| BILLY KIRKHAM3 | 1052 N. 38TH ST TERRE HAUTE, IN 47804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | $412 | $1K | 1.08% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.04% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, TX 46240 | STANDARD INSURANCE COMPANY | $14K | $4K | $18K | 19.00% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 4.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.94% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC. | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $18K | $1K | $19K | 20.05% |
| TOTALIS BENEFITS3 | 8777 N GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $618 | — | $618 | 0.66% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $3K | $70 | $3K | 8.81% |
| TOTALIS BENEFITS3 | 8777 N. GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | STANDARD INSURANCE COMPANY | $506 | — | $506 | 1.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 8777 N. GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | STANDARD INSURANCE COMPANY | $303 | $0 | $303 | 0.93% |
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 | 376 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 275 | $213K |
| Vision | STANDARD INSURANCE COMPANY | 275 | $32K |
| Life insurance | STANDARD INSURANCE COMPANY | 376 | $94K |
| Short-term disability | STANDARD INSURANCE COMPANY | 200 | $128K |
| Long-term disability | STANDARD INSURANCE COMPANY | 376 | $96K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 376 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.