| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C CARTER3 Filed as: MICHAEL CARTER | 6651 NORTH GRAY ROAD MOORESVILLE, IN 46158 | AFLAC | $11K | $656 | $12K | 9.13% |
| JUSTIN D. BARGER3 | 413 WEST BLACKFOOT DRIVE ELLETTSVILLE, IN 47429 | AFLAC | $4K | $16 | $4K | 2.98% |
| MJ INSURANCE3 Filed as: PHYLISS A. BEX AND VARIOUS AGENTS | 118 STONEYBROOK DRIVE GREENWOOD, IN 46142 | AFLAC | $4K | $205 | $4K | 2.98% |
| RITA J ABRAM3 Filed as: RITA J. ABRAM | 11500 GOLDEN WILLOW GOURT ZIONSVILLE, IN 46077 | AFLAC | $4K | $35 | $4K | 2.77% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPLOIS, IN 46241 | AFLAC | $3K | $35 | $3K | 2.13% |
| ERIC DEANE3 | 7732 BOLERO DRIVE CAMBY, IN 46113 | AFLAC | $1K | $305 | $2K | 1.22% |
| RITA J ABRAM3 Filed as: RITA J. ABRAM | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46142 | AFLAC | $947 | $203 | $1K | 0.87% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 159 | $133K |
| Short-term disability | AFLAC | 159 | $133K |
| Long-term disability | AFLAC | 159 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.