| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | SYMETRA LIFE INSURANCE COMPANY | $229K | $123K | $352K | 10.10% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | ANTHEM INSURANCE COMPANIES, INC. | $52K | — | $52K | 1.92% |
| JA BENEFITS LLC3 Filed as: JA BENEFITS, LLC | PO BOX 159 BEDFORD, IN 47421 | DELTA DENTAL OF INDIANA | — | $304 | $304 | 0.30% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104 | — | $104 | 3.76% |
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IN 47421 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.18% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 225 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 225 | $2.7M |
| Dental | DELTA DENTAL OF INDIANA | 491 | $101K |
| Vision | VISION SERVICE PLAN | 205 | $23K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $3.5M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $3.5M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $3.5M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 225 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.