| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 4000 CINCINNATI, OH 45209 | ANTHEM INSURANCE COMPANIES, INC. | $38K | $0 | $38K | 3.79% |
| BILLY KIRKHAM3 | PO BOX 2701 TERRE HAUTE, IN 47802 | COLONIAL LIFE AND ACCIDENT INSURANCE | $13K | $4K | $16K | 13.85% |
| ROBERT EARL PETERS3 | 307 GARDENDALE ROAD TERRE HAUTE, IN 47803 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2K | $127 | $2K | 1.82% |
| LISA HEIN PRICE3 | 4870 EAST US HIGHWAY 40 BRAZIL, IN 47834 | COLONIAL LIFE AND ACCIDENT INSURANCE | $2K | $0 | $2K | 1.47% |
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC. | 755 WEST CARMEL DRIVE CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE | $994 | $524 | $2K | 1.30% |
| HEATHER MARIE KASSELMAN3 | 19363 PACIFICA PLACE NOBLESVILLE, IN 46060 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1K | $34 | $1K | 1.18% |
| MJ INSURANCE3 Filed as: DAVID HAMPTON AND VARIOUS AGENTS | 4910 WEST ARLINGTON PARK BOULEVARD FORT WAYNE, IN 46835 | COLONIAL LIFE AND ACCIDENT INSURANCE | $1K | $0 | $1K | 1.10% |
| BRAYDEN SHAYNE KIRKHAM3 | 103 WEST JEFFERSON SHELBURN, IN 47879 | COLONIAL LIFE AND ACCIDENT INSURANCE | $742 | $86 | $828 | 0.71% |
| ASSUREDPARTNERS3 | 200 COLONIAL CENTER PARKWAY SUITE 140 LAKE MARY, FL 32746 | HEALTH RESOURCES, INC. | $4K | $0 | $4K | 10.00% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 4000 CINCINNATI, OH 45209 | ONEAMERICA | $887 | $0 | $887 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF INDIANA, INC. | UNKNOWN GREENCASTLE, IN 46135 | ONEAMERICA | $0 | $594 | $594 | 6.70% |
| ASSUREDPARTNERS3 | 200 COLONIAL CENTER PARKWAY SUITE 140 LAKE MARY, FL 32746 | HEALTH RESOURCES, INC. | $376 | $0 | $376 | 10.01% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 131 | $1.0M |
| Dental(2 contracts) | HEALTH RESOURCES, INC. | 132 | $40K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 131 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE | 199 | $126K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 131 | $1.0M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE | 199 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.