| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY INC. | 11686 MAPLE STREET FISHERS, IN 46038 | ANTHEM INSURANCE COMPANIES, INC. | $30K | — | $30K | 1.80% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY | 9795 CROSSPOINT BLVD, STE 170 INDIANAPOLIS, IN 46256 | DELTA DENTAL OF INDIANA | $5K | $180 | $5K | 4.87% |
| ERTEL & COMPANY, INC.3 | 9795 CROSSPOINT BLVD, STE 170 INDIANAPOLIS, IN 462563348 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.37% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 278 | $1.7M |
| Dental | DELTA DENTAL OF INDIANA | 285 | $107K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 278 | $1.7M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $72K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $72K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 213 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.