| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYER BENEFIT SYSTEMS INC3 Filed as: EMPLOYER BENEFIT SYSTEMS | 222 INDIANAPOLIS BLVD SCHERERVILLE, IN 46375 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $42K | — | $42K | 0.43% |
| DELTA DENTAL INDIANA4 | 225 EAST ST. NO. 260 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | — | $47K | $47K | 5.67% |
| CASSADY NEESER & BRASSEUR3 | 340 COLUMBIA PLACE SOUTH BEND, IN 46624 | UNUM LONG TERM DISABILITY | $6K | $2K | $8K | 3.41% |
| CASSADY NEESER & BRASSEUR3 | 340 COLUMBIA PLACE SOUTH BEND, IN 46624 | UNUM SHORT TERM DISABILITY | $3K | $1K | $5K | 2.96% |
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 | 1,522 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,370 | $9.7M |
| Dental | DELTA DENTAL OF INDIANA | 2,393 | $832K |
| Vision | EYEMED | 1,800 | $0 |
| Short-term disability | UNUM SHORT TERM DISABILITY | 532 | $155K |
| Long-term disability | UNUM LONG TERM DISABILITY | 1,408 | $241K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,370 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,393 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.