| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY | 9795 CROSSPOINT BLVD SUITE 170 INDIANAPOLIS, IN 46256 | ANTHEM BLUE CROSS AND BLUE SHIELD | $27K | $200 | $27K | 2.44% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY | 9795 CROSSPOINT BLVD SUITE 170 INDIANAPOLIS, IN 46256 | ANTHEM BLUE CROSS AND BLUE SHIELD | $9K | — | $9K | 10.00% |
| STEELE INSURANCE3 Filed as: STEELE INS & FIN SVCS INC | 9020 CRAWFORDSVILLE RD INDIANAPOLIS, IN 46234 | ALLSTATE | $12K | — | $12K | 32.24% |
| MICHAEL ERTEL3 | 9795 CROSSPOINT BLVD SUITE 170 INDIANAPOLIS, IN 46256 | ALLSTATE | $12K | — | $12K | 30.30% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY | 9795 CROSSPOINT BLVD SUITE 170 INDIANAPOLIS, IN 46256 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 9.81% |
No Schedule C service providers reported on this filing.
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 272 | $1.1M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 127 | $88K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 272 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | ALLSTATE | 162 | $61K |
| Short-term disability(2 contracts, 2 carriers) | ALLSTATE | 162 | $61K |
| Long-term disability(2 contracts, 2 carriers) | ALLSTATE | 162 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.