| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP TERRELL3 Filed as: PHILIP R. TERRELL | 2451 BROADWAY FORT WAYNE, IN 46807 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | $0 | $47K | 7.52% |
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INS. SVCS. LLC | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.97% |
| PHILIP TERRELL3 | 2541 BROADWAY FORT WAYNE, IN 46807 | NATIONWIDE | $8K | $0 | $8K | 6.00% |
| STEELE INSURANCE3 Filed as: STEELE INS. & FINANCIAL SVCS., INC. | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | NATIONWIDE | $5K | $0 | $5K | 4.00% |
| PHILIP TERRELL3 | 2541 BROADWAY FORT WAYNE, IN 46807 | AMERITAS | $3K | $0 | $3K | 6.00% |
| STEELE INSURANCE3 Filed as: STEELE INS. & FINANCIAL SVCS., INC. | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | AMERITAS | $2K | $0 | $2K | 4.00% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $619K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $671K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $671K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $748K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $748K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $619K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 184 | $619K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.