| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M J INSURANCE INC.3 Filed as: M-J INSURANCE, INC | 9225 PRIORITY WAY WEST DR. SUITE 100 INDIANAPOLIS, IN 46240 | RELIASTAR LIFE INSURANCE COMPANY | $30K | — | $30K | 2.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANY, INC. EIN 35-0781558 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator Service code 12 | — | $1.9M |
| PROFESSIONAL BENEFIT ADMINISTRATORS EIN 36-3384135 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.5M |
| TRUESCRIPTS EIN 46-4334244 N/A | Claims processing; Direct payment from the plan Service code 12 | — | $714K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 N/A | Direct payment from the plan; Claims processing Service code 12 | — | $304K |
| CASTLIGHT HEALTH, INC. EIN 26-1989091 N/A | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $229K |
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 | 7,148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 14,587 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,587 | — |
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.