| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN GREENCASTLE, IN 46135 | IU HEALTH PLANS | $45K | $0 | $45K | 5.62% |
| BILLY KIRKHAM3 | 1052 NORTH 38TH STREET TERRE HAUTE, IN 47804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $6K | $24K | 12.31% |
| HEATHER MARIE KASSELMAN3 | 19363 PACIFICA PLACE NOBLESVILE, IN 46060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $252 | $5K | 2.81% |
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC. | 160 WEST CARMEL DRIVE CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $690 | $2K | 1.13% |
| ROBERT EARL PETERS3 | 307 GARDENDALE ROAD TERRE HAUTE, IN 47803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.80% |
| MJ INSURANCE3 Filed as: JACKIE L. KELLER AND VARIOUS AGENTS | 3029 SLEEPING RIDGE WAY INDIANAPOLIS, IN 46217 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $658 | $0 | $658 | 0.34% |
| BRAYDEN SHAYNE KIRKHAM3 | 103 WEST JEFFERSON SHELBURN, IN 47879 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $468 | $0 | $468 | 0.24% |
| LISA HEIN PRICE3 | 4870 EAST US HIGHWAY 40 BRAZIL, IN 47834 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $286 | $0 | $286 | 0.15% |
| ASSUREDPARTNERS3 | 10401 NORTH MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IU HEALTH PLANS | 125 | $803K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $50K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $50K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 168 | $243K |
| Prescription drug | IU HEALTH PLANS | 125 | $803K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 168 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
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.