| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | DELTA DENTAL OF INDIANA | $7K | $0 | $7K | 9.96% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF INDIANA, LLC | 11555 NORTH MERIDIAN STREET SUITE 220 CARMEL, IN 46032 | DELTA DENTAL OF INDIANA | $0 | $78 | $78 | 0.11% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 11711 NORTH MERIDIAN STREET SUITE 100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $51 | $3K | 20.31% |
| STRATEGIC NON-MEDICAL SLTNS LLC3 Filed as: STRATEGIC NON-MEDICAL SLTONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $267 | $0 | $267 | 1.66% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET, SUITE 300 UNKNOWN CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $161 | $0 | $161 | 1.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF INDIANA, INC. | 11711 NORTH MERIDIAN STREET SUITE 100 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $78 | $78 | 0.49% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS SVCS | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.02% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 11711 NORTH MERIDIAN STREET SUITE 100 CARMEL, IN 46032 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 18.02% |
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 | 123 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 186 | $72K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 187 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $16K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.