| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS GLAROS | 222 INDIANAPOLIS BLVD SCHERERVILLE, IN 46375 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $42K | — | $42K | 0.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS GLAROS | 222 INDIANAPOLIS BLVD. SCHERERVILLE, IN 46275 | BLUE CROSS BLUE SHIELD ILLINOIS | $42K | — | $42K | 1.18% |
| DELTA DENTAL INDIANA4 | 225 EAST ST. #260 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | — | $46K | $46K | 5.68% |
| CASSADY NEESER & BRASSEUR3 | 340 COLUMBIA PL SOUTH BEND, IN 46624 | UNUM SHORT TERM DISABILITY | $4K | $2K | $6K | 2.46% |
| CASSADY NEESER & BRASSEUR3 | 340 COLUMBIA PL SOUTH BEND, IN 46624 | UNUM LONG TERM DISABILITY | $6K | $3K | $9K | 4.26% |
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 | 1,536 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,340 | $8.6M |
| Dental | DELTA DENTAL OF INDIANA | 2,400 | $817K |
| Vision | EYE MED | 1,700 | $0 |
| Short-term disability | UNUM SHORT TERM DISABILITY | 498 | $255K |
| Long-term disability | UNUM LONG TERM DISABILITY | 1,341 | $220K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,340 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,400 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.