| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA, LLC | 11555 N MERIDIAN ST STE 220 CARMEL, IN 46032 | DELTA DENTAL OF INDIANA | $6K | — | $6K | 9.22% |
| DATIS HR CLOUD INC3 | PO BOX 715019 CINCINNATI, OH 45271 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA LLC | 11595 N MERIDIAN ST #250 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $588 | $588 | 1.11% |
| DATIS HR CLOUD INC3 | PO BOX 715019 CINCINNATI, OH 45271 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA LLC | 11595 N MERIDIAN ST #250 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $222 | $222 | 1.13% |
| DATIS HR CLOUD INC3 | PO BOX 715019 CINCINNATI, OH 45271 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $781 | $781 | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA LLC | 11595 N MERIDIAN ST #250 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $156 | $156 | 1.40% |
| DATIS HR CLOUD INC3 | PO BOX 715019 CINCINNATI, OH 45271 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $245 | $245 | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA LLC | 11595 N MERIDIAN ST #250 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $42 | $42 | 1.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $15K |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 231 | $66K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 213 | $275K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $53K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $20K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 213 | $275K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.