| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLP | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM BLUE CROSS & BLUE SHIELD | $85K | — | $85K | 13.90% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC | 100 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM LIFE INSURANCE COMPANY | $21K | — | $21K | 17.91% |
| NFP INSURANCE SERVICES INC3 Filed as: SHEPHARD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | PRUDENTIAL INSURNACE | $6K | — | $6K | 10.00% |
| SHEPARD INSURANCE LLC3 | 111 CONGRESSIONAL BLVD CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.94% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP LLC | 110 S COLLEGE AVE STE 230 BLOOMINGTON, IN 47404 | THE HARTFORD | $113 | — | $113 | 15.07% |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS & BLUE SHIELD | 209 | $615K |
| Dental | ANTHEM BLUE CROSS & BLUE SHIELD | 209 | $615K |
| Vision | ANTHEM BLUE CROSS & BLUE SHIELD | 209 | $615K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 226 | $117K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURNACE | 226 | $109K |
| Prescription drug | ANTHEM BLUE CROSS & BLUE SHIELD | 209 | $615K |
| Other | THE HARTFORD | 192 | $750 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.