| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FITCH HOYT BENEFITS GROUP3 Filed as: FITCH HOYT BENEFITS GROUP LLC | 60 EAST OAK STREET ZIONSVILLE, IN 46077 | AMERICAN UNITED LIFE INSURANCE COMPANY | $138K | — | $138K | 2.00% |
| FITCH HOYT BENEFITS GROUP3 Filed as: FITCH HOYT BENEFITS GROUP LLC | 60 EAST OAK STREET ZIONSVILLE, IN 46077 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | — | $16K | 2.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY AND APPEL, INC. | 1402 NORTH CAPITOL SUITE 400 INDIANAPOLIS, IN 46202 | FEDERAL INSURANCE COMPANY | $40K | $3K | $42K | 19.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Claims processing; Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $6.5M |
| ELI LILLY AND COMPANY EIN 34-0470950 PLAN SPONSOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $539K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $68K |
| JPMORGAN INVESTMENT MANAGEMENT INC. EIN 13-3200244 NONE | Direct payment from the plan; Investment management; Investment advisory (plan); Investment management fees paid directly by plan; Trustee (discretionary) Service code 24 | — | $49K |
| JPMORGAN CHASE BANK, N.A. EIN 13-4994650 NONE | Float revenue; Other investment fees and expenses Service code 62 | — | $43K |
| PLANTE & MORAN PLLC EIN 38-1357951 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $24K |
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 | 19,434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 310 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $2.3M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $2.0M |
| Life insurance(3 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 22,224 | $8.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13 | $20K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 27,316 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,316 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.