| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPRESS SCRIPTS, INC.5 Filed as: EXPRESS SCRIPTS | PO BOX 66773 ST LOUIS, MO 63166 | ANTHEM INSURANCE COMPANIES, INC. | $22K | — | $22K | 8.83% |
| PLATINUM BENEFIT CONSULTING GROUP3 | 4215 EDISON LAKES PARKWAY STE 200 MISHAWAKA, IN 46545 | ANTHEM INSURANCE COMPANIES, INC. | — | $612 | $612 | 0.24% |
| PLATINUM BENEFIT CONSULTING GROUP3 Filed as: PLATINUM BENEFIT CONSULTING GR | 4215 EDISON LAKES PKWY STE 200 MISHAWAKA, IN 46545 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $7K | $895 | $8K | 8.82% |
| THE HEALY GROUP INC.3 Filed as: THE HEALY GROUP, INC. | 17535 GENERATIONS DR SOUTH BEND, IN 46635 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 2.10% |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 178 | $250K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 178 | $250K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 178 | $250K |
| Life insurance | GUARDIAN LIFE INSURANCE CO OF AMERICA | 200 | $88K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 178 | $250K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 178 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.