| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM BLUE CROSS & BLUE SHIELD | — | $12K | $12K | 2.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE AND FINANCIAL SERVICES | 1133 WESTCHESTER AVE STE 5229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF AMERICA | $23K | — | $23K | 5.00% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | ANTHEM LIFE INSURANCE COMPANY | $9K | — | $9K | 8.14% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | SUN LIFE ASSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.07% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BLVD STE 100 CARMEL, IN 46032 | SUN LIFE ASSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.75% |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS & BLUE SHIELD | 335 | $460K |
| Dental | ANTHEM BLUE CROSS & BLUE SHIELD | 335 | $460K |
| Vision | ANTHEM BLUE CROSS & BLUE SHIELD | 335 | $460K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 223 | $109K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF AMERICA | 335 | $70K |
| Prescription drug | ANTHEM BLUE CROSS & BLUE SHIELD | 335 | $460K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF AMERICA | 335 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.