| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLE ELLISON | 1281 E MARIGOLD DRIVE BLOOMINGTON, IN 47401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | — | $30K | 23.63% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 9.52% |
| ROBERT BURGETT | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.26% |
| PETER J EMMERT Filed as: PETER EMMERT | 5904 OAKFORG E LANE INDIANAPOLIS, IN 46254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.13% |
| DANIEL R HARPER JR Filed as: DANIEL HARPER | 101 WINDSON G COURT GASTONIA, NC 28056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| WARREN REID HAVENOR3 Filed as: WARREN HAVENOR | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $393 | — | $393 | 0.31% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | DELTA DENTAL OF INDIANA | $11K | $319 | $12K | 10.29% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | RELIANCE STANDARD | $3K | — | $3K | 7.82% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | VSP | — | — | $0 | 0.00% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | RELIANCE STANDARD | $3K | — | $3K | 11.47% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | RELIANCE STANDARD | $3K | — | $3K | 13.12% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | RELIANCE STANDARD | $2K | — | $2K | 10.00% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 S STATE ROAD 446 BLOOMINGTON, IN 47401 | SIHO | $39K | $76K | $115K | — |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIHO | 0 | $0 |
| Dental | DELTA DENTAL OF INDIANA | 333 | $114K |
| Vision | VSP | 186 | $30K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 228 | $42K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 228 | $72K |
| Long-term disability | RELIANCE STANDARD | 228 | $29K |
| Prescription drug | SIHO | 0 | $0 |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 286 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.