| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNIE INSURANCE, LLC3 Filed as: BENNIE HEALTH, INC. | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | PRINCIPAL LIFE INSURANCE COMPANY | $36K | $0 | $36K | 14.93% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 4.38% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE HEALTH, INC. | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | ANTHEM INSURANCE COMPANIES, INC. | $55K | $0 | $55K | — |
| ENROLLEASE3 Filed as: FIRST PERSON INC. | 9000 KEYSTONE CROSSING, SUITE 910 INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $11K | $0 | $11K | — |
| INDY CHAMBER LLC3 | 111 MONUMENT CIRCLE , SUITE 1950 INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $1K | $0 | $1K | — |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 205 | $0 |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $242K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $242K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $242K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $242K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $242K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 205 | $0 |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.