| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NXTGEN, LLC3 Filed as: NXTGEN LLC | 11118 COLDWATER RD STE 100 FORT WAYNE, IN 46845 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | — | $29K | 11.71% |
| THE DEHAYES GROUP3 Filed as: DEHAYES GROUP LLC | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | EYEMED | $3K | — | $3K | 6.49% |
| NXTGEN, LLC3 Filed as: NXTGEN LLC DBA THE DEHAYES GROUP | 11118 COLDWATER ROAD FORT WAYNE, IN 46845 | EYEMED | $1K | — | $1K | 2.75% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP - FT WAYNE | 811 MADISON AVENUE TOLEDO, OH 43604 | EYEMED | $556 | — | $556 | 1.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCESS RE NONE | Other insurance fees and expenses Service code 73 | 48 N BROAD STREET WOODBURY, NJ 08096 | $554K |
| UNIFIED GROUP SERVICES, INC. EIN 35-1973675 NONE | Other fees Service code 99 | — | $156K |
| CIGNA NONE | Other fees Service code 99 | 347 W BERRY ST #200 FORT WAYNE, IN 46802 | $85K |
| DEHAYES GROUP NONE | Securities brokerage commissions and fees Service code 71 | 11118 COLDWATER RD. FORT WAYNE, IN 46845 | $56K |
| CARE OPERATIVE NONE | Other fees Service code 99 | 5880 NOLENSVILLE PIKE NASHVILLE, TN 37211 | $10K |
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 | 472 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 441 | $26K |
| Vision | EYEMED | 812 | $49K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,132 | $249K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,132 | $249K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,132 | $249K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,132 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,132 | — |
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."
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.