| 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 | $242K | $18K | $260K | 15.37% |
| DETRUDE & COMPANY INC.3 | 1200 WEST CARMEL DRIVE CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | $3K | $91K | 26.82% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BLVD, SUITE 100 CARMEL, IN 46032 | PETERSEN INTERNATIONAL UNDERWRITERS | $11K | — | $11K | 9.76% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BLVD/. SUITE 100 CARMEL, IN 46032 | PETERSEN INTERNATIONAL UNDERWRITERS | $4K | — | $4K | 9.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 N/A | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $949K |
| CHC WELLNESS EIN 52-2402054 N/A | Direct payment from the plan; Consulting fees Service code 50 | — | $93K |
| 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 | — | $20K |
| 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 | — | $16K |
| BENEFIT PLAN CONSULTANTS EIN 36-3036100 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $10K |
| SHEPHERD INSURANCE EIN 45-3540375 N/A | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions 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 | 1,196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 1,238 | $1.8M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 1,238 | $1.8M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 1,238 | $1.8M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,485 | $2.0M |
| Long-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,498 | $3.3M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 1,238 | $1.8M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,498 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,498 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.