| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN INDIANAPOLIS, IN 46225 | IU HEALTH PLAN | $47K | $0 | $47K | 4.37% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | ANTHEM INSURANCE COMPANIES, INC | $6K | $0 | $6K | 2.23% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | AMERICAN UNITED LIFE INSURANCE COMPANY | $20K | $1K | $21K | 15.49% |
| AMWINS3 Filed as: AMWINS ANCILLARY, LLC | UNKNOWN INDIANAPOLIS, IN 46225 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 10.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 4.13% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | IU HEALTH PLAN | 316 | $1.4M |
| Dental(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC | 316 | $399K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC | 316 | $399K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 237 | $135K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 237 | $135K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 237 | $135K |
| Prescription drug(2 contracts, 2 carriers) | IU HEALTH PLAN | 316 | $1.4M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 237 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.