| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICA ADMINISTRATORS, LP3 Filed as: NORTH AMERICA ADMINISTRATORS LP | 1826 ELM HILL PIKE NASHVILLE, TN 37210 | COMPANION LIFE INSURANCE COMPANY | $54K | — | $54K | 15.00% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE INS AGENCY LLC | 11420 BLUEGRASS PKWY LOUISVILLE, KY 402992348 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $7 | $3K | 9.95% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE HUNT INS AGCY | 11420 BLUEGRASS PKWY LOUISVILLE, KY 40299 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.31% |
| ARTISAN GROUP3 | P O BOX 517 OWENSBORO, KY 423020517 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 6.60% |
| DONALD L HOPSTER3 | 6890 S OLD ROAD 162 HUNTINGBURG, IN 475429372 | AMERITAS LIFE INSURANCE CORP | $558 | — | $558 | 3.40% |
| MARSHA S TALLEY3 | 5401 N VOGEL RD SUITE 410 EVANSVILLE, IN 47715 | AFLAC | $1K | $144 | $2K | 9.85% |
| KIMBERLY MORRIS3 | 3166 EBY RD BOONEVILLE, IN 47601 | AFLAC | $839 | — | $839 | 5.41% |
| TARA SCHNAUS3 | 3060 N WALNUT RIDGE CT JASPER, IN 47546 | AFLAC | $532 | $29 | $561 | 3.62% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | AFLAC | $340 | $29 | $369 | 2.38% |
| JANE A. KATTER3 Filed as: JANE KATTER | 902 MAIN ST SUITE A JASPER, IN 47546 | AFLAC | $247 | — | $247 | 1.59% |
| CHRIS A GEHLHAUSEN3 Filed as: CHRIS GEHLHAUSEN | 5401 VOGEL RD STE 410 EVANSVILLE, IN 47715 | AFLAC | $119 | — | $119 | 0.77% |
| MILDRED VONDERHEIDE3 | 1255 OAKWOOD DR HUTINGBURG, IN 47542 | AFLAC | $87 | — | $87 | 0.56% |
| ANGELA FAYE PFAFF3 Filed as: ANGELA PFAFF | 1616 W 5TH AVE JASPER, IN 47546 | AFLAC | $56 | — | $56 | 0.36% |
| MARSHA HUGHES3 | 3775 N STATE ROAD 52 LEBANON, IN 46052 | AFLAC | $25 | — | $25 | 0.16% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $20 | — | $20 | 0.13% |
| CHRISTINE M PACE3 | 5721 E 400 S SAINT ANTHONY, IN 47575 | AFLAC | $19 | — | $19 | 0.12% |
| IRMA KEMPF3 | 2547 S SAINT ANTHONY RD N ST ANTHONY, IN 47575 | AFLAC | $17 | — | $17 | 0.11% |
| JOHN TYLER & ASSOCIATES3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $14 | — | $14 | 0.09% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $10 | — | $10 | 0.06% |
| CHARLES B LACY JR3 | 4046 SHARPSBURG MCCULLUM RD STE 205 NEWNAN, GA 30265 | AFLAC | $9 | — | $9 | 0.06% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 9247 N MERIDIAN ST INDIANAPOLIS, IN 46260 | AFLAC | $2 | $3 | $5 | 0.03% |
| KEVIN F WARD3 Filed as: KEVIN WARD | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $2 | $2 | $4 | 0.03% |
| JAMES M FLETCHER3 Filed as: JAMES FLETCHER | 254 JOHN ST AURORA, IN 47001 | AFLAC | $2 | — | $2 | 0.01% |
| MARSHA S TALLEY3 Filed as: MARSHA TALLEY | 5401 VOGEL RD STE 410 EVANSVILLE, IN 47715 | AFLAC | $559 | — | $559 | 7.41% |
| KIMBERLY MORRIS3 | 3166 EBY RD BOONEVILLE, IN 47601 | AFLAC | $315 | — | $315 | 4.18% |
| TARA SCHNAUS3 | 3060 N WALNUT RIDGE CT JASPER, IN 47546 | AFLAC | $152 | — | $152 | 2.01% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE JUSTUS | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | AFLAC | $137 | — | $137 | 1.82% |
| JANE A. KATTER3 Filed as: JANE KATTER | 902 MAIN ST SUITE A JASPER, IN 47546 | AFLAC | $93 | — | $93 | 1.23% |
| CHRIS A GEHLHAUSEN3 Filed as: CHRIS GEHLHAUSEN | 5401 VOGEL RD STE 400 EVANSVILLE, IN 47715 | AFLAC | $45 | — | $45 | 0.60% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $33 | — | $33 | 0.44% |
| TIMOTHY ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $8 | — | $8 | 0.11% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 9247 N MERIDIAN ST SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN T CLANCY3 Filed as: JOHN CLANCY | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $1 | — | $1 | 0.01% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 631 GREENFORD TRL W CARMEL, IN 46032 | AFLAC | $1 | — | $1 | 0.01% |
| KEVIN F WARD3 Filed as: KEVIN WARD | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $1 | — | $1 | 0.01% |
| AMY N GEHLHAUSEN3 Filed as: AMY GEHLAUSEN | 3115 HOWARD ST JASPER, IN 47546 | AFLAC | $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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES INC | 253 | $70K |
| Vision | AMERITAS LIFE INSURANCE CORP | 191 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $30K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.