| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M J INSURANCE INC.3 | PO BOX 50435 INDIANAPOLIS, IN 462500000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $74K | — | $74K | 10.00% |
| M J INSURANCE INC.3 | PO BOX 50435 INDIANAPOLIS, IN 462500000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $62K | — | $62K | 10.00% |
| M J INSURANCE INC.3 | PO BOX 50435 INDIANAPOLIS, IN 462500000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 10.00% |
| M J INSURANCE INC.3 | 9225 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 8.20% |
| M J INSURANCE INC.3 | PO BOX 50435 INDIANAPOLIS, IN 46250 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 10.00% |
| M J INSURANCE INC.3 | PO BOX 50435 INDIANAPOLIS, IN 462500000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $692 | $6K | 17.00% |
| M J INSURANCE INC.3 | PO BOX 50435 INDIANAPOLIS, IN 462500000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| M J INSURANCE INC.3 | PO BOX 50435 INDIANAPOLIS, IN 462500000 | CIGNA LIFE INSURANCE CO OF NEW YORK | $16 | — | $16 | 10.32% |
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 | 2,334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,053 | $163K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,334 | $742K |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,262 | $479K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,569 | $616K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,053 | $1.7M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,262 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,053 | — |
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.