| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM INSURANCE COMPANIES, INC. | $6K | $754 | $7K | 1.15% |
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY STE 100 FORT WAYNE, IN 46804 | ANTHEM INSURANCE COMPANIES, INC. | $1K | — | $1K | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF RD GBS FINANCE 4TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF INDIANA | $15K | — | $15K | 3.39% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVE. TOLEDO, OH 43604 | DELTA DENTAL OF INDIANA | $14K | — | $14K | 3.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST, LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM LIFE INSURANCE COMPANY 35-0980405 | $24K | — | $24K | 7.58% |
| HYLANT GROUP INC3 | 6714 POINTE INVERNESS WAY STE 100 FORT WAYNE, IN 46804 | ANTHEM LIFE INSURANCE COMPANY 35-0980405 | $10K | — | $10K | 3.26% |
| LARS HAAPALA3 | 1220 6TH AVE DAYTON, KY 41074 | TRANSAMERICA LIFE INSURANCE COMPANY | $32K | — | $32K | 11.76% |
| STEPPING STONES UNLIMITED, INC.3 Filed as: STEPPING STONES UNLIMITED, INC | 1220 6TH AVE DAYTON, KY 41074 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 4.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 650 E. CARMEL DR. STE 400 CARMEL, IN 46032 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.12% |
| AMERICAN INSURNET AGENCY INC3 | 644 LINN STREET #430 CINCINNATI, OH 45203 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.70% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD. STE 200 WALNUT CREEK, CA 94598 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.72% |
| DANE PAPE3 Filed as: DANE A PAPE | 115 EAST PLATT ST MARQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | FIFTH THIRD INSURANCE AGENCY 38 FOUNTAIN SQ PLZ MD1090GB MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 12750 MERIT DRIVE SUITE 1000 DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANIES | $16K | $8K | $24K | 13.73% |
| HYLANT GROUP INC | 811 MADISON AVENUE TOLEDO, OH 43604 | GUARDIAN LIFE INSURANCE COMPANIES | $5K | — | $5K | 2.79% |
| REBECCA A DEHART3 | 10694 ELDORADO CIRCLE NOBLESVILLE, IN 46060 | GUARDIAN LIFE INSURANCE COMPANIES | $2K | — | $2K | 0.85% |
| MICHAEL S BAKER | 3533 CHEDDINGTON LANE LEXINGTON, KY 40505 | GUARDIAN LIFE INSURANCE COMPANIES | $31 | — | $31 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $849K |
| INGENIORX | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 13 | — | $656K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 NONE | Insurance services; Other fees Service code 23 | — | $413K |
| M&Z LLP NONE | Other fees Service code 99 | 101 N POLK ST MONROE, IN 46772 | $325K |
| HYLANT GROUP NONE | Insurance agents and brokers Service code 22 | 811 MADISON AVE TOLEDO, OH 43604 | $75K |
| FORVIS, LLP NONE | Accounting (including auditing) Service code 10 | 111 E. WAYNE ST. STE 600 FORT WAYNE, IN 46802 | $17K |
| GALLAGHER BENEFIT SERVICES, INC | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $11K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | — | $0 |
| INGENIORX, INC EIN 82-3062245 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Contract Administrator Service code 12 | — | $0 |
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 | 1,994 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,058 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 1,348 | $574K |
| Dental | DELTA DENTAL OF INDIANA | 2,286 | $457K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 1,348 | $750K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY 35-0980405 | 2,154 | $756K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 338 | $269K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANIES | 214 | $176K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 1,348 | $574K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY 35-0980405 | 2,154 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,286 | — |
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.