| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN GREENCASTLE, IN 46135 | IU HEALTH PLANS | $36K | $0 | $36K | 4.44% |
| BILLY KIRKHAM3 | 1052 NORTH 38TH STREET TERRE HAUTE, IN 47804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $7K | $32K | 15.16% |
| AARON VANPELT INC3 Filed as: AARON VANPELT, INC. | 11495 PENNSYLVANIA STREET SUITE 200 CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 2.60% |
| LARRY BRYAN KELSHEIMER3 | 3915 WEST THRALLS AVENUE WEST TERRE HAUTE, IN 47885 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $134 | $3K | 1.50% |
| HEATHER MARIE KASSELMAN3 | 19363 PACIFICA PLACE NOBLESVILLE, IN 46060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3 | $2K | 0.83% |
| ROBERT EARL PETERS3 | 307 GARDENDALE ROAD TERRE HAUTE, IN 47803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $617 | $0 | $617 | 0.29% |
| RITA MARIE KIRKHAM3 | 1052 NORTH 38TH STREET TERRE HAUTE, IN 47804 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $200 | $218 | $418 | 0.20% |
| MJ INSURANCE3 Filed as: JACKIE L. KELLER AND VARIOUS AGENTS | 3029 SLEEPING RIDGE WAY INDIANAPOLIS, IN 46217 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $344 | $9 | $353 | 0.17% |
| ASSUREDPARTNERS3 | 10 EAST MAIN STREET, SUITE 400 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $662 | $662 | 1.50% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IU HEALTH PLANS | 98 | $805K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $44K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $44K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 141 | $253K |
| Prescription drug | IU HEALTH PLANS | 98 | $805K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 141 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.