| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN, SUITE 300 INDIANAPOLIS, IN 46290 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 1.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF INDIANA, INC. | 11595 NORTH MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 1.37% |
| BILLY KIRKHAM3 | PO BOX 2701 TERRE HAUTE, IN 47802 | COLONIAL LIFE AND ACCIDENT INSURANCE | $14K | $4K | $18K | 13.56% |
| HEATHER MARIE KASSELMAN3 Filed as: HEATHER KASSELMAN AND VAR. AGENTS | 19363 PACIFICA PLACE NOBLESVILLE, IN 46060 | COLONIAL LIFE AND ACCIDENT INSURANCE | $4K | $314 | $4K | 2.94% |
| ROBERT EARL PETERS3 | 307 GARDENDALE ROAD TERRE HAUTE, IN 47803 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2K | $76 | $2K | 1.75% |
| LISA HEIN PRICE3 | 4870 EAST US HIGHWAY 40 BRAZIL, IN 47834 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2K | $150 | $2K | 1.35% |
| AARON VANPELT INC3 Filed as: AARON VANPELT INC. | 755 WEST CARMEL DRIVE CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1K | $316 | $1K | 1.07% |
| JACKIE LEE KELLER3 | 7622 SERGI CANYON DRIVE INDIANAPOLIS, IN 46217 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1K | $8 | $1K | 0.82% |
| BRAYDEN SHAYNE KIRKHAM3 | 103 WEST JEFFERSON SHELBURN, NE 47879 | COLONIAL LIFE AND ACCIDENT INSURANCE | $991 | $0 | $991 | 0.76% |
| ASSUREDPARTNERS3 | 200 COLONIAL CENTER PARKWAY SUITE 140 LAKE MARY, FL 32746 | HEALTH RESOURCES, INC. | $2K | $0 | $2K | 5.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF INDIANA, INC. | 11555 NORTH MERIDIAN STREET SUITE 220 CARMEL, IN 46032 | HEALTH RESOURCES, INC. | $2K | $0 | $2K | 4.47% |
| BILLY KIRKHAM3 | PO BOX 2701 TERRE HAUTE, IN 47802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $265 | $2K | 5.56% |
| ROBERT EARL PETERS3 | 307 GARDENDALE ROAD TERRE HAUTE, IN 47803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $120 | $287 | 1.01% |
| MJ INSURANCE3 Filed as: TERIANA BRISCOE AND VARIOUS AGENTS | 7122 KENSINGTON DRIVE INDIANAPOLIS, IN 46226 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $265 | $15 | $280 | 0.98% |
| LISA HEIN PRICE3 | 4870 EAST US HIGHWAY 40 BRAZIL, IN 47834 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 0.68% |
| BRAYDEN SHAYNE KIRKHAM3 | 103 WEST JEFFERSON SHELBURN, IN 47879 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $144 | $0 | $144 | 0.51% |
| AARON VANPELT INC | 755 WEST CARMEL DRIVE CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $97 | $9 | $106 | 0.37% |
| HEATHER MARIE KASSELMAN3 | 19363 PACIFICA PLACE NOBLESVILLE, IN 46060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.34% |
| ASSUREDPARTNERS3 | 9247 NORTH MERIDIAN STREET SUITE 200 INDIANAPOLIS, IN 46260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $567 | $0 | $567 | 5.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF INDIANA, INC. | 11595 NORTH MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $398 | $0 | $398 | 4.05% |
| ASSUREDPARTNERS3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | ONEAMERICA | $1K | $0 | $1K | 11.95% |
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN, SUITE 300 INDIANAPOLIS, IN 46290 | ONEAMERICA | $164 | $0 | $164 | 1.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF INDIANA, INC. | 11555 NORTH MERIDIAN STREET SUITE 220 CARMEL, IN 46032 | ONEAMERICA | -$353 | $0 | -$353 | -3.65% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $1.0M |
| Dental | HEALTH RESOURCES, INC. | 137 | $36K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $10K |
| Life insurance(4 contracts, 4 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE | 194 | $179K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $1.0M |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE | 194 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.