| 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. | $80K | — | $80K | 1.89% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 S. STATE ROAD 446 BLOOMINGTON, IN 47401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.34% |
| 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 | $10K | 12.67% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INS. INC. | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1 | $5K | 7.12% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INS. INC. | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.13% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INS. INC. | 306 SOUTH STATE ROAD 446 BLOOMINGTON, IN 47401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.08% |
| RONALD F REMAK INSURANCE INC3 Filed as: RONALD F. REMAK INSURANCE INC. | 306 S. STATE ROAD 446 BLOOMINGTON, IN 47401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 687 | $4.2M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 355 | $80K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $171K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $74K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $60K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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.