| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DETRUDE & COMPANY INC.3 | 1200 WEST CARMEL DRIVE CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $13K | $37K | 2.14% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE. LLC | 111 CONGRESSIONAL BLVD, STE 100 CARMEL, IN 460325638 | PACIFIC LIFE INSURANCE COMPANY | $65K | — | $65K | 7.96% |
| PAUL M. HARRINGTON3 | 301 WOODLAND LN CARMEL, IN 460323570 | PACIFIC LIFE INSURANCE COMPANY | $22K | — | $22K | 2.65% |
| HIGHLAND CAPITAL BROKERAGE INC3 Filed as: HIGHLAND CAPITAL BROKERAGE INC. | 3535 GRANDVIEW PKWY, STE 600 BIRMINGHAM, AL 352431936 | PACIFIC LIFE INSURANCE COMPANY | $15K | — | $15K | 1.80% |
| DETRUDE & COMPANY INC.3 | 1200 WEST CARMEL DRIVE CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $2K | $36K | 15.75% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BLVD, SUITE 100 CARMEL, IN 46032 | PETERSEN INTERNATIONAL UNDERWRITERS | $13K | — | $13K | 9.76% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BLVD/. SUITE 100 CARMEL, IN 46032 | PETERSEN INTERNATIONAL UNDERWRITERS | $13K | — | $13K | 9.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 N/A | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services; Direct payment from the plan Service code 12 | — | $1.7M |
| CHC WELLNESS EIN 52-2402054 N/A | Direct payment from the plan; Consulting fees Service code 50 | — | $98K |
| SHEPHERD INSURANCE LLC | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $60K |
| THE NYHART COMPANY, INC. EIN 35-0966414 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $25K |
| OLD NATIONAL TRUST COMPANY EIN 35-1799335 N/A | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $11K |
| BENEFIT PLAN CONSULTANTS EIN 36-3036100 N/A | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $10K |
| SHEPHERD INSURANCE EIN 45-3540375 N/A | Insurance agents and brokers; Other commissions; Investment management fees paid indirectly by plan Service code 22 | — | $0 |
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 | 990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,033 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 2,477 | $973K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 2,477 | $973K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 2,477 | $973K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,242 | $2.8M |
| Long-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,242 | $3.1M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 2,477 | $973K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,242 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,477 | — |
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.