| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C CARTER3 Filed as: MICHAEL C. CARTER | 6651 NORTH GRAY ROAD MOORSVILLE, IN 46158 | AFLAC | $10K | $404 | $11K | 9.96% |
| RITA J ABRAM3 Filed as: RITA J. ABRAM | 11500 GOLDEN WILLOW COURT ZIONSBILLE, IN 46077 | AFLAC | $4K | $135 | $4K | 3.54% |
| ROBERT W BURGETT3 Filed as: ROBERT W. BURGETT | 1701 WEST 8TH STREET, SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $2K | $135 | $2K | 2.31% |
| MJ INSURANCE3 Filed as: ERIC DEANE AND VARIOUS AGENTS | 7732 BOLERO DRIVE CAMBY, IN 46113 | AFLAC | $2K | $0 | $2K | 2.05% |
| JUSTIN D. BARGER3 | 413 WEST BLACKFOOT DRIVE ELLETTSVILLE, IN 47429 | AFLAC | $927 | $157 | $1K | 1.01% |
| PHYILLS A. BEX3 | 118 STONEBROOK DRIVE GREENWOOD, IN 46142 | AFLAC | $521 | $0 | $521 | 0.49% |
| GERARD J. GRABLE3 | 30 VALLEY BLUFF LANE SIMPSONVILLE, SC 29680 | AFLAC | $407 | $0 | $407 | 0.38% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 185 | $107K |
| Short-term disability | AFLAC | 185 | $107K |
| Long-term disability | AFLAC | 185 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.