| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS/MEYERSGLAROSGROUPLLC3 | 222 INDIANAPOLIS BLVD. SCHERERVILLE, IN 46375 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $39K | $0 | $39K | 0.46% |
| DELTA DENTAL INDIANA4 | 225 EAST STREET NO. 260 INDIANAPOLIS, IN 46202 | DELTA DENTAL OF INDIANA | — | $45K | $45K | 5.46% |
| CASSADY NEESER & BRASSEUR3 Filed as: CASSADY NASSER & BRASSEUR | 340 COLUMBIA PLACE SOUTH BEND, IN 46624 | UNUM LONG TERM DISABILITY | $7K | $2K | $9K | 3.09% |
| CASSADY NEESER & BRASSEUR3 Filed as: CASSADY NESSER & BRASSEUR | 340 COLUMBIA PLACE SOUTH BEND, IN 46624 | UNUM SHORT TERM DISABILITY | $6K | $1K | $7K | 3.75% |
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 | 1,397 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,268 | $8.4M |
| Dental | DELTA DENTAL OF INDIANA | 2,279 | $827K |
| Vision | EYEMED | 1,700 | $0 |
| Short-term disability | UNUM SHORT TERM DISABILITY | 517 | $197K |
| Long-term disability | UNUM LONG TERM DISABILITY | 1,383 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,279 | — |
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.