| 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 | $148K | — | $148K | 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 | $17K | — | $17K | 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 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue Service code 12 | — | $9.2M |
| HEWITT ASSOCIATES, LLC EIN 36-2235791 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $297K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $74K |
| JPMORGAN CHASE BANK, N.A. EIN 13-4994650 NONE | Float revenue; Other investment fees and expenses Service code 62 | — | $57K |
| ELI LILLY AND COMPANY EIN 35-0470950 PLAN SPONSOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $34K |
| JPMORGAN INVESTMENT MANAGEMENT INC. EIN 13-3200244 NONE | Direct payment from the plan; Investment advisory (plan); Investment management fees paid directly by plan; Trustee (discretionary); Investment management Service code 24 | — | $33K |
| PLANTE & MORAN PLLC EIN 38-1357951 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $24K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
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 | 21,034 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 323 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,357 | 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 | 153 | $3.1M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $2.7M |
| Life insurance(3 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 15,297 | $9.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12 | $18K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21,587 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,587 | — |
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."
No prospect flags tripped on this filing.