| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPANIES INC | — | ANTHEM INSURANCE COMPANIES, INC. | $168K | $68K | $236K | 59.36% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE STE 801 CORAL GABLES, FL 33134 | ANTHEM INSURANCE COMPANIES, INC. | $50K | — | $50K | 12.45% |
| WALKERHUGES GROUP LLC3 | 320 GRADLE DR CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | $10K | — | $10K | 2.47% |
| INGENIO RX, INC.3 Filed as: INGENIO RX, INC | — | ANTHEM INSURANCE COMPANIES, INC. | -$13K | — | -$13K | -3.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 ATTN WEST VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $11K | — | $11K | 7.87% |
| WALKERHUGHES GROUP, LLC3 Filed as: WALKERHUGHES GROUP LLC | 320 GRADLE DR CARMEL, IN 46032 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 300 | $398K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 300 | $398K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 176 | $139K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 176 | $139K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 176 | $139K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 300 | $398K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 176 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.