| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER HEALTH AND BENEFITS INC.3 | 8445 KEYSTONE CROSSING BLVD STE 200 INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $33K | — | $33K | 1.69% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY INC. | 10945 CORK PLACE INDIANAPOLIS, IN 46236 | ANTHEM INSURANCE COMPANIES, INC. | $273 | — | $273 | 0.01% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH & BENEFITS, INC. | BENJAMIN CONNER 8445 KEYSTONE CROSSING, STE 200 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $6K | — | $6K | 4.82% |
| CONNER HEALTH AND BENEFITS INC.3 | 8445 KEYSTONE CROSSING, STE 200 INDIANAPOLIS, IN 462404318 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 15.83% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 264 | $1.9M |
| Dental | DELTA DENTAL OF INDIANA | 268 | $116K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 264 | $1.9M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $76K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $76K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.