| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 CLARK ST STE 1100 CHICAGO, IL 60654 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELEWARE INC. | P.O. BOX 28852 NEW YORK, NY 10087 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.23% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP INC. | 3755 E 82ND STREET STE 100 INDIANAPOLIS, IN 46240 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC. EIN 35-0781558 NONE | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $5.4M |
| LIFEWORKS US INC. EIN 81-1114266 NONE | Claims processing Service code 12 | — | $147K |
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 | 15,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 16,531 | $4.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 14,346 | $470K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 14,760 | $3.7M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 875 | $80K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 14,760 | $3.7M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 15,130 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,531 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.