| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 STATE ROAD 446 BLOOMINGTON, IN 47401 | ANTHEM INSURANCE COMPANIES, INC. | $83K | — | $83K | 2.53% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INS. INC. | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.81% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INS. INC. | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $9K | 12.79% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INS. INC. | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 7.33% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INS. INC. | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.49% |
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 | 503 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 859 | $3.3M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 410 | $74K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 469 | $105K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $38K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 469 | $36K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 469 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.