| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | DELTA DENTAL OF INDIANA | $15K | — | $15K | 13.65% |
| VOLUNTARY BENEFIT PLANS LLC3 | PO BOX 51590 INDIANAPOLIS, IN 46251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.35% |
| MERRILL W SCHOENROCK3 | PO BOX 50682 INDIANAPOLIS, IN 46250 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.25% |
| 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 | — | $3K | 3.25% |
| ROGLE INC3 | 2116 N PENNSYLVANIA ST INDIANAPOLIS, IN 46202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $379 | $593 | $972 | 1.11% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $138 | $354 | 0.40% |
| GARY A INERSON3 | 12576 BLUE HOLLY DR NOBLESVILLE, IN 46060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $63 | $281 | 0.32% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | CIGNA GROUP INSURANCE | $8K | $947 | $9K | 16.69% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | 3131 E 67TH ST ANDERSON, IN 46013 | AIG BENEFIT SOLUTIONS | $3K | $545 | $4K | 11.80% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 460640010 | VISION SERVICE PLAN | $1K | — | $1K | 5.02% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | CIGNA GROUP INSURANCE | $922 | $100 | $1K | 16.63% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | CIGNA GROUP INSURANCE | $169 | $18 | $187 | 16.59% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 126 | $111K |
| Vision | VISION SERVICE PLAN | 119 | $25K |
| Life insurance | CIGNA GROUP INSURANCE | 208 | $6K |
| Long-term disability | CIGNA GROUP INSURANCE | 208 | $56K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 208 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.