| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E CARMEL DR STE 400 CARMEL, IN 46032 | UNITEDHEALTHCARE INSURANCE COMPANY | $109K | — | $109K | 3.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 15.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 N CAPITOL STE 400 INDIANAPOLIS, IN 46202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $393 | — | $393 | 6.77% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOLUTIONS | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $15 | — | $15 | 0.26% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L ROWE | 3386 CHALICE COURT PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 8.18% |
| MARIA N VONDIELINGEN3 | 6023 DRAWBRIDGE LN INDIANAPOLIS, IN 46250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 4.95% |
| ROBERT W BURGETT3 | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 1.45% |
| RITA J ABRAM3 | 13494 FORUM MEADOWS DRIVE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 1.32% |
| ASHLEY L SHAW3 | 603 E WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.59% |
| SEAN BANNON3 | 8006 WEST 650 SOUTH KNIGHTSTOWN, IN 46148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.50% |
| NANCIAL SERVICES WHARTON INSURANCE3 | 3091 E 98TH SUITE 150 INDIANAPOLIS, IN 46280 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.50% |
| CAROLYN S RICHARDS3 | 537 WEYWORTH GREENWOOD, IN 46142 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.45% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.32% |
| NAVILLE & ASSOCIATES3 Filed as: ES NAVILLE AND ASSOCIATES | 5511 MOSER KNOB ROAD FLOYDS KNOBS, IN 47119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.23% |
| SUSAN INGRAM3 | 13409 SMOKEY QUARTZ LANE FISHERS, IN 46038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.18% |
| JOHN T CLANCY3 | 4025 PETE DYE BOULEVARD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.18% |
| JON J SCHAEFER3 | 603 E WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.14% |
| MATTHEW A COOK3 | 10069 BENT TREE LANE FISHERS, IN 46037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| KATIE J FLETCHER3 | 9247 N MERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| MARY K LIPSCOMB3 | 603 E WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 15173 KAMPEN CIRCLE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 534 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $230K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $224K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $224K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
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.