| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | PO BOX 3430 CARMEL, IN 46082 | ANTHEM INSURANCE COMPANIES, INC. | $9K | $4K | $13K | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | ANTHEM INSURANCE COMPANIES, INC. | -$32 | $0 | -$32 | -0.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | PO BOX 3430 CARMEL, IN 46082 | ANTHEM LIFE INSURANCE COMPANY | $18K | $2K | $20K | 11.69% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $901 | $23 | $924 | 14.54% |
| MMA SERVICE CORP3 Filed as: MMA SERVICE CORPORATION | 620 SOUTH CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $318 | $318 | 5.00% |
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 | 385 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 612 | $4.9M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 612 | $4.9M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 612 | $4.9M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 385 | $178K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 385 | $172K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 385 | $172K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 612 | $4.9M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 385 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 612 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.