| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC. | 11495 PENNSYLVANIA STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39K | $9K | $48K | 15.34% |
| HEATHER MARIE KASSELMAN3 | 19363 PACIFICA PLACE NOBLESVILLE, IN 46060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $162 | $9K | 2.73% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $985 | $6K | 1.86% |
| WILLIAM RYAN KASSELMAN3 | 19363 PACIFICA NOBLESVILLE, IN 46060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.64% |
| HAROLD ANTHONY EDWARDS3 | 1070 FOREST HILL DRIVE CALUMET CITY, IL 60409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.92% |
| G BARILLEAUX & ASSOCIATES INC3 Filed as: G BARILLEAUX & ASSOCIATES, INC. | 105 KOHEN LUKE DRIVE LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $73 | $2K | 0.63% |
| BILLY KIRKHAM3 | 1052 N. 38TH STREET TERRE HAUTE, IN 47804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $399 | $2K | 0.56% |
| RUTHIE A LAGRONE3 Filed as: RUTHIE A. LAGRONE | 3255 MORNING GLORY AVENUE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $69 | $1K | 0.39% |
| CAROL S ROBICHEAUX3 Filed as: CAROL S. ROBICHEAUX | 104 WAYSIDE DRIVE LAFAYETTE, LA 70506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.33% |
| KAREN PICCININI3 Filed as: KAREN MUSACCHIA | 14049 KATHERINE AVENUE BATON ROUGE, LA 70815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | — | $626 | 0.20% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $434 | — | $434 | 0.14% |
| RONALD EARL PETERS3 | 307 GARDENDALE ROAD TERRE HAUTE, IN 47803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | — | $432 | 0.14% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | P.O. BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $11 | $276 | 0.09% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS OTHERS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.09% |
| LARRY BRYAN KELSHEIMER3 | 3915 W. THRALLS AVENUE WEST TERRE HAUTE, IN 47885 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 0.07% |
| TONY LEE BURKEYBULE3 | 3090 N 10TH STREET TERRE HAUTE, IN 47804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | — | $195 | 0.06% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $107 | $185 | 0.06% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $37 | $115 | 0.04% |
| KATHERINE C WOOD3 Filed as: KATHERINE ROBERTS NOLA | 2102 POPE STREET MONROE, LA 71201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.03% |
| LYNN MARIE BARRY3 | 301 W. PARK AVENUE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 0.02% |
| AARON VANPELT INC3 Filed as: AARON VAN PELT | 11495 PENNSYLVANIA S SUITE 200 CARMEL, IN 46032 | KANSAS CITY LIFE INSURANCE COMPANY | $15K | — | $15K | 8.69% |
| STACY SMALL3 | 433 N. CAPITAL AVENUE SUITE 400 INDIANAPOLIS, IN 46204 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 1.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AARON VAN PELT, INC. EIN 95-4406881 BROKER | Insurance agents and brokers Service code 22 | 160 WEST CARMEL DRIVE SUITE 226 CARMEL, IN 46032 | $41K |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 402 | $176K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 402 | $176K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 402 | $176K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 237 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.