| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS & GROUP INSURANCE3 | 5408 WOODFIELD DRIVE NORTH CARMEL, IN 46033 | ANTHEM INSURANCE COMPANIES, INC. | $7K | — | $7K | 0.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4500 TOEN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | ANTHEM INSURANCE COMPANIES, INC. | $4K | — | $4K | 0.35% |
| LENNY L CAVENDER3 | 19172 SCOFIELD FARMS BOULEVARD WESTFIELD, IN 46060 | ANTHEM INSURANCE COMPANIES, INC. | $2K | — | $2K | 0.15% |
| EMPLOYEE BENEFITS & GROUP INSURANCE3 | 5408 WOODFIELD DR N CARMEL, IN 46033 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.40% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.80% |
| LEONARD L CAVENDER3 | 19172 SCOFIELD FARMS BLVD WESTFIELD, IN 46062 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.60% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 75 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $116K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $116K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $116K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $116K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $116K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.