| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDY CHAMBER LLC3 Filed as: INDY CHAMBER, LLC | 111 MONUMENT CIRCLE, SUITE 1950 INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $442 | $0 | $442 | 0.03% |
| INDY CHAMBER LLC3 Filed as: INDY CHAMBER, LLC | 111 MONUMENT CIRCLE, SUITE 1950 INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $375 | $0 | $375 | 0.03% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | 224 TACKLEBOX LANE MURRAY, KY 42071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $921 | $0 | $921 | 6.30% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS GROUP, INC. | 9400 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $808 | $0 | $808 | 5.53% |
| JOSEPH M GOSSMAN JR3 Filed as: JOSEPH GROSSMAN | 17836 BIRCH BEND CIRCLE LOUISVILLE, KY 40023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $432 | $0 | $432 | 2.95% |
| NORTH SIDE AGENCY GROUP INC.3 Filed as: NORTH SIDE AGENCY GROUP, INC. | 7266 LAKEVALE DRIVE NEWBURGH, IN 47630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $298 | $0 | $298 | 2.04% |
| PROFESSIONAL INS ENROLLERS LLC3 Filed as: PROFESSIONAL INS. ENROLLERS, LLC | 10418 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.37% |
| MARK FRANKLIN SCHWITZ3 | 15031 DURHAM WAY EAST GRANGER, IN 46530 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.20% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM INSURANCE COMPANIES, INC. | 173 | $2.5M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 173 | $1.3M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 173 | $1.3M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 136 | $65K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 136 | $65K |
| Prescription drug(2 contracts) | ANTHEM INSURANCE COMPANIES, INC. | 173 | $2.5M |
| Other(4 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 136 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.