| 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 | $137K | $11K | $148K | 7.11% |
| DETRUDE & COMPANY INC.3 | 1200 WEST CARMEL DRIVE CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $1K | $39K | 13.61% |
| 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 | $12K | — | $12K | 9.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 N/A | Float revenue; Contract Administrator; Direct payment from the plan; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $928K |
| CHC WELLNESS EIN 52-2402054 N/A | Direct payment from the plan; Consulting fees Service code 50 | — | $100K |
| SHEPHERD INSURANCE LLC | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $62K |
| THE NYHART COMPANY, INC. EIN 35-0966414 N/A | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $32K |
| 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 | — | $11K |
| OLD NATIONAL TRUST COMPANY EIN 35-1799335 N/A | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $10K |
| SHEPHERD INSURANCE EIN 45-3540375 N/A | Other commissions; Investment management fees paid indirectly by plan; Insurance agents and brokers 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 | 1,177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 1,213 | $1.5M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 1,213 | $1.5M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 1,213 | $1.5M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,482 | $2.4M |
| Long-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,482 | $3.6M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 1,213 | $1.5M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,482 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,482 | — |
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.