| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC. | 160 W CARMEL DR CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $20K | $46K | 24.00% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 4.77% |
| HEATHER MARIE KASSELMAN3 | 19363 PACIFICA PL NOBLESVILLE, IN 46060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $229 | $5K | 2.50% |
| WILLIAM RYAN KASSELMAN | 19363 PACIFICA PL NOBLESVILLE, IN 46060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.43% |
| BILLY KIRKHAM3 | 1052 N 38TH ST TERRE HAUTE, IN 47802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $935 | $475 | $1K | 0.74% |
| ROBERT EARL PETERS3 | 307 GARDENDALE RD TERRE HAUTE, IN 47803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $777 | $7 | $784 | 0.41% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | $1 | $497 | 0.26% |
| JACQUELINE M WILSON3 | 1929 DABNEY DRIVE BATON ROUGE, LA 70816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.12% |
| BRAYDEN SHAYNE KIRKHAM3 | 103 WEST JEFFERSON SHELBURN, IN 47879 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 0.12% |
| VICTORIA LLERAS3 | 10407 LEVEN BLVD LOUISVILLE, KY 40229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 0.09% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.05% |
| LISA HEIN PRICE3 | 4870 E US HWY 40 BRAZIL, IN 47834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.04% |
| JACKIE LEE KELLER3 | 3029 SLEEPING RIDGE WAY INDIANAPOLIS, IN 46217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.03% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $12 | $45 | 0.02% |
| MOORE ADVISORY GROUP LLC3 | 12447 QUITMAN MERIDIAN HIGHWAY MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| DAVID HAMPTON3 | 4910 W ARLINGOTN PARK BLVD FT WAYNE, IN 46835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $1 | $29 | 0.02% |
| BETHANY JANNES NORWALT3 | 7113 KINGSWOOD CT INDIANAPOLIS, IN 46256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| SENSIBLE WORKSITE SOLUTIONS LLC3 | 8733 SIEGEN LANE BATON ROUGE, LA 70810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| J MICHAEL NORRIS INC3 | 731 AVIGNON DR RIDGELAND, MS 39157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| SAM KOGOS3 | 355 EAST OHIO STREET CHICAGO, IL 60611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: B & A INSURANCE AGENCY INC | 4736 W NAPOLEON AVE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SHERRY LYNN FLEENER3 | 8231 E 850 N SHERIDAN, IN 46069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ELYSIAN INSURANCE AGENCY3 | 4736 WEST NAPOLEON AVE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GARY J BURKE3 | 4736 W NAPOLEON AVE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| AARON VANPELT INC3 Filed as: AARON VAN PELT, INC. | 160 W CARMEL DR CARMEL, IN 46032 | KANSAS CITY LIFE INSURANCE COMPANY | $11K | — | $11K | 9.82% |
| AARON VANPELT INC3 Filed as: AARON VAN PELT, INC. | 160 W CARMEL DR STE 226 CARMEL, IN 460322511 | VISION SERVICE PLAN | $1K | — | $1K | 5.11% |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 219 | $27K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 291 | $190K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 371 | $109K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 371 | $109K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 291 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.