| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DETRUDE & COMPANY INC.3 Filed as: DETRUDE & COMPANY INC | 1200 WEST CARMEL DRIVE CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $7K | $24K | 2.66% |
| PAUL DECOURSEY3 | 100 BRIGHT MEADOW BLVD ENFIELD, CT 06082 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $43K | — | $43K | 4.87% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 1200 WEST CARMEL DRIVE CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | $41K | — | $41K | 6.39% |
| DETRUDE & COMPANY INC.3 Filed as: DETRUDE & COMPANY INC | 1200 WEST CARMEL DRIVE CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $24K | 14.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Other fees; Claims processing; Float revenue Service code 12 | — | $697K |
| CHC WELLNESS ADMINISTRATOR | Consulting fees Service code 70 | 5440 N CUMBERLAND AVE SUITE 225 CHICAGO, IL 60656 | $91K |
| US CENTERS FOR MEDICARE & MEDICAID NONE | Other insurance fees and expenses Service code 73 | 7500 SECURITY BOULEVARD BALTIMORE, MD 21244 | $69K |
| THE NYHART COMPANY, INC. THIRD PARTY ADMINISTRATO | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 8415 ALLISON POINTE BLVD SUITE 300 INDIANAPOLIS, IN 46250 | $24K |
| BENEFIT PLANNING CONSULTANTS THIRD PARTY ADMINISTRATO | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2110 CLEARLAKE BLVD SUITE 200 PO BOX 7500 CHAMPAIGN, IL 618267500 | $10K |
| OLD NATIONAL TRUST COMPANY EIN 35-1799335 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $6K |
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 | 997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,036 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 1,483 | $635K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 1,483 | $635K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 1,483 | $635K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 999 | $1.9M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 999 | $1.8M |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 1,483 | $635K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 1,483 | $635K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 999 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,483 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.