| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BILLY KIRKHAM3 | PO BOX 2701 TERRE HAUTE, IN 47802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $6K | $29K | 12.96% |
| HEATHER MARIE KASSELMAN3 | 19363 PACIFICA PLACE NOBLESVILLE, IN 46060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $297 | $5K | 2.24% |
| AARON VANPELT INC3 | 160 WEST CARMEL DRIVE CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $745 | $2K | 1.12% |
| ROBERT EARL PETERS3 Filed as: ROBERT EARL PETEERS | 307 GARDENDALE ROAD TERRE HAUTE, IN 47803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $59 | $2K | 1.05% |
| LISA HEIN PRICE3 | 4870 EAST US HIGHWAY 40 BRAZIL, IN 47834 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.86% |
| MJ INSURANCE3 Filed as: DAVID HAMPTON AND VARIOUS AGENTS | 307 GARDENDALE ROAD TERRE HAUTE, IN 47803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $911 | $9 | $920 | 0.42% |
| BRAYDEN SHAYNE KIRKHAM3 | 103 WEST JEFFERSON SHELBURN, IN 47879 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $817 | $0 | $817 | 0.37% |
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IU HEALTH PLANS | 136 | $971K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $57K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $57K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 172 | $278K |
| Prescription drug | IU HEALTH PLANS | 136 | $971K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 172 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
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.