| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | ANTHEM INSURANCE COMPANIES, INC. | $14K | $262 | $14K | 2.41% |
| INDY CHAMBER LLC3 | 111 MONUMENT CIRCLE, SUITE 1950 INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $540 | $0 | $540 | 0.09% |
| STEELE INSURANCE3 Filed as: STEELE INS. & FINANCIAL SVCS., INC. | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | NATIONWIDE | $10K | $0 | $10K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | NATIONWIDE | $6K | $0 | $6K | 3.43% |
| PHILIP TERRELL3 | 2541 BROADWAY FORT WAYNE, IN 46807 | NATIONWIDE | $982 | $0 | $982 | 0.57% |
| STEELE INSURANCE3 Filed as: STEELE INS. & FINANCIAL SVCS., INC. | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | AMERITAS | $4K | $0 | $4K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | AMERITAS | $2K | $0 | $2K | 3.44% |
| PHILIP TERRELL3 | 2541 BROADWAY FORT WAYNE, IN 46807 | AMERITAS | $402 | $0 | $402 | 0.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 9100 KEYSTONE CROSSING, SUITE 550 INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 12.41% |
| PHILIP TERRELL3 Filed as: PHILIP R. TERRELL | 2451 BROADWAY FORT WAYNE, IN 46807 | UNITEDHEALTHCARE INSURANCE COMPANY | $911 | $0 | $911 | 2.59% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 111 | $573K |
| Dental(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 252 | $645K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 252 | $645K |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE | 209 | $207K |
| Short-term disability(2 contracts, 2 carriers) | NATIONWIDE | 209 | $207K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 53 | $35K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 111 | $573K |
| Other(2 contracts, 2 carriers) | NATIONWIDE | 209 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.