| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F REMAK INSURANCE | 306 SR 446 BLOOMINGTON, IN 47401 | DELTA DENTAL | $9K | $0 | $9K | 9.54% |
| MARK OYLER3 | 306 SR 446 BLOOMINGTON, IN 47401 | ONE AMERICA DISABILITY INSURANCE | $0 | $12K | $12K | 14.54% |
| MARK OYLER3 | 306 SR 446 BLOOMINGTON, IN 47401 | ONE AMERICA LIFE INSURANCE | $0 | $3K | $3K | 15.00% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CORPORATE MANAGEMENT | 266 | $26K |
| Dental | DELTA DENTAL | 245 | $92K |
| Life insurance | ONE AMERICA LIFE INSURANCE | 196 | $22K |
| Short-term disability | ONE AMERICA DISABILITY INSURANCE | 196 | $81K |
| Long-term disability | ONE AMERICA DISABILITY INSURANCE | 196 | $81K |
| Prescription drug | SOUTHERN INDIANA HEALTH ORGANIZATION | 266 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.