| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERTEL & COMPANY, INC.3 | 10945 CORK PLACE INDIANAPOLIS, IN 46236 | DELTA DENTAL OF INDIANA | $4K | — | $4K | 9.21% |
| ERTEL & COMPANY, INC.3 | 10945 CORK PLACE INDIANAPOLIS, IN 46236 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 13.01% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY INC. | 10945 CORK PLACE INDIANAPOLIS, IN 46236 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.09% |
| UNIFIED GROUP SERVICES, INC.3 | P.O. BOX 10 PENDLETON, IN 46064 | HCC LIFE INSURANCE COMPANY | — | $229 | $229 | 2.00% |
| ERTEL & COMPANY, INC.3 Filed as: ERTEL & COMPANY INC. | 10945 CORK PLACE INDIANAPOLIS, IN 46236 | DELTA DENTAL OF INDIANA | $717 | — | $717 | 9.21% |
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 |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 123 | $42K |
| Vision | DELTA DENTAL OF INDIANA | 110 | $8K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 111 | $48K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 111 | $48K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 111 | $48K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 111 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.