| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | HEALTH RESOURCES, INC. | $147K | $0 | $147K | 4.99% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $278K | $0 | $278K | 11.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $266K | $0 | $266K | 10.76% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD, SUITE 357 GLENVIEW, IL 60025 | RELIASTAR LIFE INSURANCE COMPANY | $1.0M | $0 | $1.0M | 43.86% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | RELIASTAR LIFE INSURANCE COMPANY | $637K | $94K | $731K | 31.18% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD, SUITE 357 GLENVIEW, IL 60025 | MADISON NATIONAL LIFE | $796K | $0 | $796K | 49.00% |
| THE HEALY GROUP INC.3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | MADISON NATIONAL LIFE | $341K | $0 | $341K | 21.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 16190 AUSTIN, TX 78716 | MADISON NATIONAL LIFE | $44K | $0 | $44K | 2.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | VISION SERVICE PLAN | $9K | $0 | $9K | 1.72% |
| ANTHONY NYERS3 | 53800 GENERATIONS DRIVE SOUTH BEND, IN 46635 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $396 | $0 | $396 | 4.23% |
| SIGNATOR INSURANCE AGENCY INC3 Filed as: SIGNATOR INSURANCE AGENCY INC. | 197 CKAREDIB STREETM SUITE C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $215 | $0 | $215 | 2.30% |
| LYLE L. FISEL3 | 215 SOUTH 2ND STREET ELKHART, IN 46516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.62% |
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 | 11,310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES, INC. | 15,098 | $3.0M |
| Vision | VISION SERVICE PLAN | 5,523 | $514K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,081 | $4.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,081 | $2.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,081 | $2.5M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,630 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,098 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.