| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE, INC. | 306 STATE ROAD 446 BLOOMINGTON, IN 47401 | DELTA DENTAL OF INDIANA | $13K | $0 | $13K | 10.00% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE, INC. | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | CONTINENTAL AMEIRCAN INSURANCE COMPANY | $10K | $0 | $10K | 10.17% |
| KYLE ELLISON3 | 1281 EAST MARIGOLD DRIVE BLOOMINGTON, IN 47401 | CONTINENTAL AMEIRCAN INSURANCE COMPANY | $6K | $0 | $6K | 6.51% |
| WARREN REID HAVENOR3 Filed as: WARREN R. HAVENOR | 306 SOUTH STATE ROAD BLOOMINGTON, IN 47401 | CONTINENTAL AMEIRCAN INSURANCE COMPANY | $6K | $0 | $6K | 6.25% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46241 | CONTINENTAL AMEIRCAN INSURANCE COMPANY | $2K | $0 | $2K | 1.77% |
| PETER J EMMERT3 Filed as: PETER EMMERT | 5904 OAKFORGE LANE INDIANAPOLIS, IN 46254 | CONTINENTAL AMEIRCAN INSURANCE COMPANY | $579 | $0 | $579 | 0.58% |
| DANIEL R HARPER JR3 Filed as: DANIEL R. HARPER JR. | 101 WINDSONG COURT GASTONIA, NC 28056 | CONTINENTAL AMEIRCAN INSURANCE COMPANY | $469 | $0 | $469 | 0.47% |
| MATTHEW D SMITH3 Filed as: MATTHEW D. SMITH | 7905 TANCES DRIVE CINCINNATI, OH 45243 | CONTINENTAL AMEIRCAN INSURANCE COMPANY | $95 | $0 | $95 | 0.10% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE, INC. | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | VISION SERVICE PLAN | $544 | $0 | $544 | 1.91% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 325 | $126K |
| Vision | VISION SERVICE PLAN | 175 | $29K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 138 | $0 |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 138 | $0 |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 138 | $0 |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMEIRCAN INSURANCE COMPANY | 138 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.