| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF INDIANA, LLC | 11595 N MERIDIAN ST STE 250 CARMEL, IN 46032 | AMERICAN UNITED LIFE INSURANCE COMPANY | $211K | $43K | $254K | 19.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 11595 N MERIDIAN ST STE 100 CARMEL, IN 46032 | AMERICAN UNITED LIFE INSURANCE COMPANY | $27K | — | $27K | 2.12% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18700 HAYDEN RD, SUITE 405 SCOTTSDALE, AZ 85255 | NATIONWIDE LIFE INSURANCE COMPANY | $18K | — | $18K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ST VINCENT HEALTH W&P CARE INST INC EIN 46-1227327 SERVICE PROVIDER | Direct payment from the plan Service code 50 | 8333 NAAB ROAD, SUITE 301 INDIANAPOLIS, IN 46260 | $776K |
| LUMINAIRE HEALTH BENEFITS, INC. EIN 35-1846036 SERVICE PROVIDER | Claims processing Service code 12 | 6133 N RIVER RD, SUITE 900 ROSEMONT, IL 60018 | $358K |
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 SERVICE PROVIDER | Float revenue; Claims processing; Other services Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $291K |
| HOSTCARE RESOURCES EIN 46-5299788 SERVICE PROVIDER | Other services Service code 49 | 120 8TH AVENUE NE DEMOTTE, IN 46310 | $281K |
| MEDWATCH CASE MANAGEMENT EIN 59-2884658 CONSULTANT | Consulting (general) Service code 16 | 120 INTERNATIONAL PARKWAY, SUITE 22 LAKE MARY, FL 32746 | $106K |
| CROWN POINT MANAGEMENT CONSULTANTS EIN 35-1710050 CONSULTANT | Consulting (general) Service code 16 | 412 SOUTH PENDLETON AVE PENDLETON, IN 46064 | $35K |
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 | 946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 365 | $2.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 365 | $2.1M |
| Vision | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 365 | $2.1M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 944 | $1.3M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 944 | $1.3M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 365 | $2.1M |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 633 | $362K |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 944 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 944 | — |
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.