| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP | 131 E HIGH ST LAWRENCEBURG, IN 47025 | SUNLIFE | $52K | — | $52K | 13.61% |
| RISK STRATEGIES COMPANY3 Filed as: COMPASS RISK PARTNERS LLC | PO BOX 1005 NEWARK, OH 43058 | SUNLIFE | $11K | — | $11K | 2.88% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP, INC. | 131 E HIGH ST LAWRENCEBURG, IN 47025 | SUNLIFE | $4K | $10K | $14K | 19.86% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUNLIFE | 107 | $70K |
| Long-term disability | SUNLIFE | 107 | $70K |
| Stop-loss / reinsurancereinsurance | SUNLIFE | 107 | $379K |
| Other | SUNLIFE | 107 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.