| 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 | $132K | — | $132K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE KNOWN | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue Service code 12 | — | $7.7M |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE KNOWN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $80K |
| ERNST & YOUNG LLP EIN 34-6565596 NONE KNOWN | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $64K |
| PLANTE & MORAN PLLC EIN 38-1357951 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $37K |
| ELI LILLY AND COMPANY EIN 35-0470950 PLAN SPONSOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $33K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE KNOWN | Custodial (securities); Trustee (directed); Other services; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Float revenue Service code 19 | — | $17K |
| AON CONSULTING, INC. EIN 22-2232264 NONE KNOWN | Actuarial; Direct payment from the plan Service code 11 | — | $5K |
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 | 16,668 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 291 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $1.5M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 33,738 | $2.8M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 25,846 | $6.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6 | $4K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $1.8M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15,336 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,738 | — |
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.