| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M A DILTS AND ASSOCIATES INC3 Filed as: M.A. DILTS & ASSOCIATES, INC. | 526 E. 86TH AVE MERRILLVILLE, IN 464106213 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 1.94% |
| M A DILTS AND ASSOCIATES INC3 | 526 E 86TH AVE MERRILLVILLE, IN 46410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.66% |
| M A DILTS AND ASSOCIATES INC3 | 526 E 86TH AVE MERRILLVILLE, IN 46410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.91% |
| M A DILTS AND ASSOCIATES INC3 | 526 E 86TH AVE MERRILLVILLE, IN 46410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 13.75% |
| M A DILTS AND ASSOCIATES INC3 | 526 E 86TH AVE MERRILLVILLE, IN 46410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $258K |
| M.A. DILTS & ASSOCIATES EIN 35-1845902 BROKER | Other commissions; Insurance agents and brokers Service code 22 | — | $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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 602 | $911K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $213K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $158K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $82K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 602 | $911K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 326 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.