| 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 INSURANCE COMPANIES, INC. | $33K | — | $33K | 2.36% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY | 9795 CROSSPOINT BLVD SUITE 170 INDIANAPOLIS, IN 46256 | ANTHEM INSURANCE COMPANIES, INC. | $12K | — | $12K | 10.00% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY | 9795 CROSSPOINT BLVD SUITE 170 INDIANAPOLIS, IN 46256 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 11.29% |
| STEELE INSURANCE3 Filed as: STEELE INS & FIN SVCS INC | 9020 CRAWFORDSVILLE RD INDIANAPOLIS, IN 46234 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.40% |
| MICHAEL ERTEL3 | 9795 CROSSPOINT BLVD SUITE 170 INDIANAPOLIS, IN 46256 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 11.25% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 146 | $1.4M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 138 | $119K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 146 | $1.4M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $110K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $133K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.