| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | $10K | $51K | 12.38% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $5K | $38K | 17.11% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 30.00% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS | 9300 WEST 110TH STREET, SUITE 520 OVERLAND PARK, KS 66210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 30.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $4K | $32K | 17.18% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | $4K | $51K | 28.17% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41K | $8K | $50K | 28.61% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41K | $8K | $50K | 28.61% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $301 | $18K | 10.38% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | $2K | $53K | 31.11% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS | 9300 W. 110TH STREET, SUITE 520 OVERLAND PARK, KS 66210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 30.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 11.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 17.86% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 27.41% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 13033 SOUTH HAMPTON CT CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | — | $364 | 0.51% |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $333 | — | $333 | 0.47% |
| KEVIN F WARD3 Filed as: KEVIN F. WARD | 12632 DOUBLE EAGLE DRIVE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | — | $283 | 0.40% |
| KEVIN R MCFADDEN3 Filed as: KEVIN R. MCFADDEN | 2612 LOHR DRIVE MT. PLEASANT, SC 29466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 0.34% |
| MATTHEW D SMITH3 | 8448 CLEARWATER LANE, APT. 302 INDIANAPOLIS, IN 46240 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 0.25% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 8500 KEYSTONE CROSSING, SUITE 490 INDIANAPOLIS, IN 46240 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.23% |
| TIMOTHY B ASBY3 Filed as: TIMOTHY B. ASBY | 9247 N MERIDIAN ST., STE. 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.23% |
| MATTHEW A COOK3 Filed as: MATTHEW A. COOK | 9247 N MERIDIAN STREET, SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.17% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 9247 N MERIDIAN ST., STE. 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.11% |
| JOHN T CLANCY3 Filed as: JOHN T. CLANCY | 4025 PETE DYE BOULEVARD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.08% |
| AMY N GEHLHAUSEN3 Filed as: AMY N. GEHLHAUSEN | 3115 HOWARD DRIVE JASPER, IN 47546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.04% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L. ROWE | 8333 CATCH FLY DRIVE PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JENNIFER L MITCHEN3 | 8344 THACKERY COURT INDIANAPOLIS, IN 46256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.24% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMANY | $31 | — | $31 | 41.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 ADMINISTRATOR | Other services; Float revenue; Contract Administrator; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $779K |
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 | 4,407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,631 | $546K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 1,359 | $247K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,422 | $244K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 846 | $225K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $185K |
| Other(7 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,407 | $857K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,407 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.