| 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 | $21K | — | $21K | 14.99% |
| MERRILL W SCHOENROCK3 | 14721 BEACON BLVD CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $313 | $7K | 5.35% |
| 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 | $5K | — | $5K | 3.75% |
| VOLUNTARY BENEFIT PLANS LLC3 Filed as: VOLUNTARY BENEFIT PLANS, LLC | 5101 DUNEWOOD WAY AVON, IN 46123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.85% |
| ROGLE INC3 | 7460 LANTERN ROAD INDIANAPOLIS, IN 46256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $199 | $1K | 1.09% |
| KAMI L STANLEY3 | 4520 S 49TH STREET LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $912 | $419 | $1K | 1.06% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.05% |
| GARY A INERSON3 | 516 N MARBLE WAY FORTVILLE, IN 46040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.03% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 13.74% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 460640010 | VISION SERVICE PLAN | $1K | — | $1K | 4.52% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $3K | $575 | $4K | 11.80% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $988 | — | $988 | 13.74% |
| UNIFIED GROUP SERVICES, INC.3 Filed as: UNIFIED GROUP SERVICES | PO BOX 10 PENDLETON, IN 46064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $66 | — | $66 | 12.02% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 136 | $138K |
| Vision | VISION SERVICE PLAN | 140 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $74K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 215 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.