| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIFIED GROUP SERVICES, INC.5 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 5.79% |
| VOLUNTARY BENEFIT PLANS LLC3 | 2345 S LYNHURST DRIVE INDIANAPOLIS, IN 46241 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3 | $3K | 3.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA, LLC | 11555 NORTH MERIDIAN ST, STE 220 INDIANAPOLIS, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.35% |
| MERRILL W SCHOENROCK3 | PO BOX 50682 INDIANAPOLIS, IN 46250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.55% |
| RYAN S OGLE3 | 2116 N PENNSYLVANIA ST INDIANAPOLIS, IN 46202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $320 | $446 | 0.56% |
| GARY A INERSON3 | 12576 BLUE HOLLY DR NOBLESVILLE, IN 46060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $122 | $270 | 0.34% |
| ROGLE INC3 | 2116 N PENNSYLVANIA ST INDIANAPOLIS, IN 46202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $126 | $187 | 0.23% |
| ELITE ADMINISTRATION3 | 193 SCHLAFER RD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.01% |
| CHRISTOPHER GEORGE LARAWAY3 Filed as: CHRISTOPHER G. LARAWAY | 4 MARY COURT WHITELAND, IN 46184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| UNIFIED GROUP SERVICES, INC.5 Filed as: UNIFIED GROUP SERVICES | 3131 E 67TH ST ANDERSON, IN 46013 | AIG/MEDICAL EXCESS | $3K | — | $3K | 11.11% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 460640010 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.51% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $167K |
| Vision | VISION SERVICE PLAN | 103 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $167K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $167K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.