| 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 | $18K | — | $18K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA, LLC | 11595 NORTH MERIDIAN ST, STE 250 INDIANAPOLIS, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.47% |
| VOLUNTARY BENEFIT PLANS LLC3 Filed as: VOLUNTARY BENEFIT PLANS, LLC | PO BOX 51590 INDIANAPOLIS, IN 46251 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.93% |
| MERRILL W SCHOENROCK3 | 14721 BEACON BLVD CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $86 | $3K | 2.57% |
| ROGLE INC3 | 7460 LANTERN ROAD INDIANAPOLIS, IN 46256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $714 | $697 | $1K | 1.36% |
| KAMI L STANLEY3 | 4520 S 49TH STREET LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $489 | $292 | $781 | 0.75% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.10% |
| GARY A INERSON3 | 12576 BLUE HOLLY DR NOBLESVILLE, IN 46060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.04% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 11.80% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 460640010 | VISION SERVICE PLAN | $1K | — | $1K | 4.75% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $173 | — | $173 | 15.03% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 127 | $120K |
| Vision | VISION SERVICE PLAN | 135 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $59K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 208 | $134K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.