| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC. | 755 W CARMEL DR STE 216 CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 20.22% |
| HOWARD HOROWITZ3 | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.18% |
| BILLY KIRKHAM3 | PO BOX 2701 TERRE HAUTE, IN 47802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $461 | $2K | 3.01% |
| ROBERT EARL PETERS3 | 307 GARDENDALE RD TERRE HAUTE, IN 47803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $79 | $2K | 2.32% |
| JACKIE LEE KELLER3 | 7622 SERGI CANYON DRIVE INDIANAPOLIS, IN 46217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $37 | $2K | 2.18% |
| JACQUELINE M WILSON3 | 1929 DABNEY DRIVE BATON ROUGE, LA 70816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | $47 | $652 | 0.82% |
| MARY CATHERINE WILLIAMS3 | 16319 E TENNESSEE AVE AURORA, CO 80017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $487 | $70 | $557 | 0.70% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | $65 | $543 | 0.69% |
| LYNN MARIE BARRY3 | PO BOX 1287 LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $45 | $333 | 0.42% |
| MICHAEL EDWARD LEES3 | 40 GARFIELD DENVER, CO 80206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $101 | $181 | 0.23% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $19 | $91 | 0.11% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $25 | $71 | 0.09% |
| AARON VANPELT INC3 Filed as: AARON VAN PELT, INC. | 755 W CARMEL DR STE 216 CARMEL, IN 46032 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD EIN 36-3381052 NONE | Claims processing Service code 12 | — | $0 |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 149 | $19K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 119 | $79K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 119 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.