| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDIANA CHAMBER INSURANCE AGENCY3 Filed as: INDIANA STATE MEDICAL ASSOC | 322 CANAL WALK INDIANAPOLIS, IN 46202 | ANTHEM | $14K | $0 | $14K | 1.31% |
| GENERAL INSURANCE SERVICES INC.3 | 4208 CALUMET AVE, SUITE 100 VALPARAISO, IN 46383 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 5.07% |
| MACLENNAN & BAIN INSURANCE3 | 214 ABERDEEN DR VALPARAISO, IN 46385 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 4.93% |
| MACLENNAN & BAIN INSURANCE3 | 214 ABERDEEN DR VALPARAISO, IN 46385 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 5.46% |
| GENERAL INS SERVICES INC3 Filed as: GENERAL INS SERVICES | 421 FRANKLIN ST MICHIGAN CITY, IN 463603326 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.30% |
| GENERAL INSURANCE SERVICES INC.3 | 421 FRANKLIN ST MICHIGAN CITY, IN 463603326 | VISION SERVICE PLAN | $919 | $0 | $919 | 3.19% |
| MACLENNAN & BAIN INSURANCE3 | 214 ABERDEEN DR VALPARAISO, IN 46385 | VISION SERVICE PLAN | $458 | $0 | $458 | 1.59% |
| INDIANA CHAMBER INSURANCE AGENCY3 Filed as: INDIANA STATE MEDICAL ASSOC | 322 CANAL WALK INDIANAPOLIS, IN 46202 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.22% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM | 138 | $1.0M |
| Dental(2 contracts, 2 carriers) | ANTHEM | 190 | $1.2M |
| Vision | VISION SERVICE PLAN | 123 | $29K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $136K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 187 | $181K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 187 | $181K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.