| 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 | $22K | $2K | $24K | 12.62% |
| CREATIVE BENEFITS SOLUTIONS3 Filed as: CREATIVE BENEFITS SOLUNTIONS, LLC | 205 N LAKE ST WARSAW, IN 46580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $578 | $30K | 21.43% |
| AARON VANPELT INC3 | 11495 PENNSYLVANIA ST STE 200 CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 4.07% |
| SHANNON LONGENECKER3 | 75 EMS T34C LN LEESBURG, IN 46538 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.32% |
| BILLY KIRKHAM3 | 1052 N 38TH ST TERRE HAUTE, IN 47804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $681 | $3K | 1.85% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $390 | $115 | $505 | 0.36% |
| JING YI LIU3 | 9619 SPRUCE LANE FISHERS, IN 46038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | $0 | $200 | 0.14% |
| NYRA VELASCO3 | 1904 CAPRI RD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| COACH CONCEPTS INC3 Filed as: COACH CONCEPTS, INC | 4750 HURON RD ST. PETERSBURG, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING, SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $27K | $5K | $32K | 23.03% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | 7272 E INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 4.63% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING, SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $18K | $3K | $21K | 22.85% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | 7272 E INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 4.61% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING, SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $6K | $1K | $7K | 22.84% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | 7272 E INDIAN SCHOOL RD SUITE 220 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.62% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING, SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $4K | $254 | $4K | 15.89% |
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 | 353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 300 | $190K |
| Vision | STANDARD INSURANCE COMPANY | 272 | $28K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 353 | $171K |
| Short-term disability | STANDARD INSURANCE COMPANY | 208 | $138K |
| Long-term disability | STANDARD INSURANCE COMPANY | 353 | $94K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 221 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.