| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C CARTER3 Filed as: MICHAEL CARTER | 6651 NORTH GRAY ROAD MOORESVILLE, IN 46158 | AFLAC | $22K | $1K | $23K | 10.94% |
| ERIC DEANE3 | 7732 BOLERO DRIVE CAMBY, IN 46113 | AFLAC | $11K | $104 | $11K | 5.06% |
| RITA J ABRAM3 Filed as: RITA ABRAM | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $9K | $309 | $9K | 4.25% |
| ROBERT BURGETT3 | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46241 | AFLAC | $6K | $312 | $6K | 2.88% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOC. AND OTHER AGENTS | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | AFLAC | $5K | $319 | $5K | 2.52% |
| GERARD J. GRABLE3 Filed as: GERARD GRABLE | 30 VALLEY BLUFF LANE SIMPSONVILLE, SC 29680 | AFLAC | $2K | — | $2K | 0.75% |
| MJ INSURANCE3 Filed as: PHYLISS BEX | 118 STONEYBROOK DRIVE GREENWOOD, IN 46142 | AFLAC | $1K | — | $1K | 0.53% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 183 | $214K |
| Short-term disability | AFLAC | 183 | $214K |
| Long-term disability | AFLAC | 183 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.