| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $1K | $8K | 8.99% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.74% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | PARAMOUNT DENTAL | $615 | $0 | $615 | 0.79% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PARAMOUNT DENTAL | $515 | $0 | $515 | 0.66% |
| MARSHA S TALLEY3 Filed as: MARSHA TALLEY | 4295 WEST PEBBLE DRIVE JASPER, IN 47546 | AFLAC | $1K | $0 | $1K | 6.91% |
| ROBIN FROMME3 | 1001 EISENHOWER AVENUE JASPER, IN 47546 | AFLAC | $546 | $0 | $546 | 3.67% |
| MJ INSURANCE3 Filed as: ERIN SMITH AND VARIOUS AGENTS | 403 MOSSBERG COURT BARDSTOWN, KY 40004 | AFLAC | $380 | $73 | $453 | 3.04% |
| ZACHARY ROOSEVELT NUGENT3 Filed as: ZACHARY NUGENT | 1348 WEST MONGOLIA STREET JASPER, IN 47546 | AFLAC | $274 | $0 | $274 | 1.84% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE JUSTUS | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $248 | $0 | $248 | 1.67% |
| JANE A. KATTER3 Filed as: JANE KATTER | 902 MAIN STREET, SUITE A JASPER, IN 47546 | AFLAC | $174 | $0 | $174 | 1.17% |
| TARA SCHNAUS3 | 3060 NORTH WALNUT RIDGE COURT JASPER, IN 47546 | AFLAC | $111 | $0 | $111 | 0.75% |
| MARSHA S TALLEY3 Filed as: MARSHA TALLEY | 4295 WEST PEBBLE DRIVE JASPER, IN 47546 | AFLAC | $751 | $0 | $751 | 11.06% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE JUSTUS | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | AFLAC | $138 | $0 | $138 | 2.03% |
| ROBIN FROMME3 | 1001 EISENHOWER AVENUE JASPER, IN 47546 | AFLAC | $136 | $0 | $136 | 2.00% |
| JANE A. KATTER3 Filed as: JANE KATTER | 902 MAIN STREET, SUITE A JASPER, IN 47546 | AFLAC | $57 | $0 | $57 | 0.84% |
| MJ INSURANCE3 Filed as: TARA SCHNAUS AND VARIOUS AGENTS | 3060 NORTH WALNUT RIDGE COURT JASPER, IN 47546 | AFLAC | $55 | $0 | $55 | 0.81% |
| CHRIS A GEHLHAUSEN3 Filed as: CHRIS GEHLHAUSEN | 873 3RD AVENUE JASPER, IN 47546 | AFLAC | $27 | $0 | $27 | 0.40% |
| NAVILLE & ASSOCIATES3 | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | AFLAC | $21 | $0 | $21 | 0.31% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 277 | $77K |
| Vision | PARAMOUNT DENTAL | 277 | $77K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $91K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $91K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 173 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.