| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATTE L HANNER3 Filed as: KATTE HANNER | 6378 DEERSTAND ROAD GREENWOOD, IN 46143 | AFLAC | $7K | $0 | $7K | 8.55% |
| PHYLLIS A BEX3 Filed as: PHYLLIS BEX | 118 STONYBROOK DRIVE GREENWOOD, IN 46142 | AFLAC | $3K | $0 | $3K | 3.23% |
| MJ INSURANCE3 Filed as: ASHLEY SHAW AND VARIOUS AGENTS | 603 EAST WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | AFLAC | $2K | $0 | $2K | 3.12% |
| PAIGE BATALIS3 | 1813 CRYSTAL BAY EAST DRIVE PLAINFIELD, IN 46168 | AFLAC | $2K | $0 | $2K | 2.14% |
| RICK MCPHERSON3 | 6352 MARBURN DRIVE INDIANAPOLIS, IN 46227 | AFLAC | $1K | $0 | $1K | 1.83% |
| CANDACE Y HILDEBRAN3 Filed as: CANDACE HILDEBRAN | 864 HEATHERWOOD DRIVE GREENWOOD, IN 46143 | AFLAC | $887 | $0 | $887 | 1.12% |
| PAYTON REARDON3 | 44 WOODLAND DRIVE CARMEL, IN 46032 | AFLAC | $833 | $0 | $833 | 1.05% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HCC LIFE INS | $1K | $0 | $1K | 8.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 NORTH HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INS | $0 | $1K | $1K | 7.22% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | HARTFORD LIFE AND ACCIDENT | $743 | $0 | $743 | 15.01% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT | $0 | $195 | $195 | 3.94% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AFLAC | 64 | $84K |
| Vision | AFLAC | 64 | $79K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 91 | $84K |
| Short-term disability | AFLAC | 64 | $79K |
| Other(3 contracts, 3 carriers) | AFLAC | 91 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.