| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERIVES CENTRAL INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | ANTHEM INSURANCE COMPANIES, INC. | $23K | $0 | $23K | 1.01% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | PO BOX 11177 SOUTH BEND, IN 46634 | ANTHEM INSURANCE COMPANIES, INC. | $8K | $0 | $8K | 0.34% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | PO BOX 11177 SOUTH BEND, IN 46601 | HARTFORD LIFE AND ACCIDENT | $35K | $0 | $35K | 5.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERIVES CENTRAL | PO BOX 955909 SAINT LOUIS, MO 63195 | DELTA DENTAL OF INDIANA | $13K | $0 | $13K | 2.37% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 130 SOUTH MAIN STREET, SUITE 400 SOUTH BEND, IN 46601 | DELTA DENTAL OF INDIANA | $4K | $0 | $4K | 0.68% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 3000 MIDTLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY OF NEW YORK | $27K | $0 | $27K | 5.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERIVES CENTRAL INC. | 75 REMITTANCE DRIVE CHICAGO, IL 60675 | AETNA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERIVES | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.26% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | PO BOX 610 PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $379 | $284 | $663 | 0.41% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 4.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERIVES CENTRAL INC. | 75 REMITTANCE DRIVE DEPARTMENT 1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 3.89% |
| AON CONSULTING INC3 Filed as: AON RISK SERIVES CENTRAL | 75 REMITTANCE DRIVE DEPARTMENT 1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | $646 | $0 | $646 | 0.42% |
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 | 1,328 | 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) | 1,328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 1,328 | $2.8M |
| Dental | DELTA DENTAL OF INDIANA | 1,733 | $553K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 574 | $155K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,490 | $888K |
| Long-term disability(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,490 | $1.2M |
| Prescription drug(4 contracts, 3 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 1,328 | $2.8M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,490 | $996K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,733 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.