| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION RD., STE 200 LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC. | $14K | — | $14K | 1.39% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION RD., STE 200 LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES, INC. | $3K | — | $3K | 0.27% |
| EPIC3 Filed as: EPIC INS SOLUTIONS AGENCY LLC | 9700 ORMSBY STATION RD., STE 200 LOUISVILLE, KY 40223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 37.95% |
| PHILIP N. MCKELVEY3 Filed as: PHILIP N MCKELVEY | 10355 RIVERWALK LANE LOVELAND, OH 45140 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 37.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 1351 WM. HOWARD TAFT RD. CINCINNATI, OH 452061721 | $502K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 NONE | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $152K |
| EPIC INSURANCE SOLUTIONS NONE | Insurance services Service code 23 | 8335 KEYSTONE CROSSING STE 106 INDIANAPOLIS, IN 46240 | $105K |
| M&Z, LLP NONE | Accounting (including auditing) Service code 10 | 101 S POLK ST MONROE, IN 46772 | $62K |
| BKD, LLP NONE | Accounting (including auditing) Service code 10 | 200 E. MAIN STREET, SUITE 700 FORT WAYNE, IN 46802 | $29K |
| HYLANT GROUP NONE | Insurance agents and brokers Service code 22 | 811 MADISON AVE TOLEDO, OH 43604 | $20K |
| ZURCHER & ZURCHER NONE | Legal Service code 29 | 101 N. POLK ST, BOX 450 MONROE, IN 46772 | $13K |
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 | 1,756 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 1,756 | $1.0M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 1,756 | $1.0M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 1,756 | $1.0M |
| Life insurance | ANTHEM INSURANCE COMPANIES, INC. | 1,756 | $1.0M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 396 | $161K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 1,756 | $1.0M |
| Other | ANTHEM INSURANCE COMPANIES, INC. | 1,756 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,756 | — |
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.
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.