| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERGRITY BENEFIT PARTNERS, INC4 | 9511 ANGOLA CT STE 263 INDIANAPOLIS, IN 46268 | NATIONAL LIFE INSURANCE COMPANY | $0 | $82K | $82K | 20.91% |
| LYDIA C CLARK3 Filed as: LYDIA CLARK | 11882 PINE MEADOW CIR FISHERS, IN 46037 | DELTA DENTAL OF OHIO | $1K | — | $1K | 1.87% |
| INTERGRITY BENEFIT PARTNERS, INC3 | 9511 ANGOLA CT STE 263 INDIANAPOLIS, IN 46268 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $900 | $13K | 19.06% |
| INTERGRITY BENEFIT PARTNERS, INC3 | 9511 ANGOLA CT STE 263 INDIANAPOLIS, IN 46268 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $384 | $7K | 21.09% |
| INTERGRITY BENEFIT PARTNERS, INC4 | 9511 ANGOLA CT STE 263 INDIANAPOLIS, IN 46268 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $469 | $6K | 16.85% |
| INTERGRITY BENEFIT PARTNERS, INC3 | 11882 PINE MEADOW CIR FISHERS, IN 46037 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.52% |
| HEALTHEZ3 | 7201 WEST 78TH STREET BLOOMINGTON, MN 55439 | QBE INSURANCE CORPORATION | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH EZ EIN 85-1296607 NOT RELATED | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | 7201 W. 78TH ST. STE 100 BLOOMINGTON, MN 55439 | $209K |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 346 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 362 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $35K |
| Stop-loss / reinsurancereinsurance | NATIONAL LIFE INSURANCE COMPANY | 185 | $391K |
| Other | QBE INSURANCE CORPORATION | 182 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
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.