| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 2701 ALBRIGHT ROAD KOKOMO, IN 46902 | ANTHEM INSURANCE COMPANIES, INC. | $40K | — | $40K | 4.11% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $15K | — | $15K | 6.86% |
| STEELE INSURANCE AND FINANCIAL SVCS3 Filed as: STEELE INSURANCE & FINANCIAL | SERVICES 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | NATIONWIDE LIFE INSURANCE COMPANY | $13K | — | $13K | 6.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 9100 KEYSTONE CROSSING SUITE 550 CARMEL, IN 46240 | NATIONWIDE LIFE INSURANCE COMPANY | $9K | — | $9K | 4.00% |
| STEELE INSURANCE AND FINANCIAL SVCS3 Filed as: STEELE INSURANCE & FINANCIAL | SERVICES 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | AMERITAS | $7K | — | $7K | 6.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS | $7K | — | $7K | 5.50% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 9100 KEYSTONE CROSSING SUITE 550 CARMEL, IN 46240 | AMERITAS | $5K | — | $5K | 4.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 2701 ALBRIGHT ROAD KOKOMO, IN 46902 | ANTHEM INSURANCE COMPANIES, INC. | $5K | — | $5K | 10.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | SUITE 550 INDIANAPOLIS, IN 46240 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 13.30% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 229 | $980K |
| Dental(2 contracts, 2 carriers) | AMERITAS | 386 | $174K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 386 | $1.1M |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 181 | $219K |
| Short-term disability(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 181 | $269K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 53 | $50K |
| Other(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 181 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
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.