| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEYERS GLAROS GROUP LLC3 | 8605 BROADWAY MERRILLVILLE, IN 46410 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $35K | $0 | $35K | 2.40% |
| MEYERS GLAROS GROUP LLC3 | 8605 BROADWAY MERRILLVILLE, IN 46410 | ANTHEM INSURANCE COMPANIES, INC | $36K | $0 | $36K | 2.68% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS LLC | 8605 BROADWAY MERRILLVILLE, IN 46410 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $9K | $35K | 17.64% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD PMB 240 NAPLES, FL 341101445 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $7K | $16K | 8.07% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $199K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $199K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $199K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $199K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $199K |
| Other(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC | 268 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.