| 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 | $123K | — | $123K | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 600084050 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE | 1402 N CAPITOL STE 400 INDIANAPOLIS, IN 46202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $350 | — | $350 | 6.18% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOLUTIONS INC | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.23% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INSURANCE, | 1402 N CAPITOL STE 400 INDIANAPOLIS, IN 46202 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $146 | — | $146 | 6.33% |
| INC, AHA FINANCIAL SOLUTIONS3 | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6 | — | $6 | 0.26% |
| BRIANNA LYNN ROWE3 Filed as: BRIANNA L ROWE | 3386 CHALICE COURT PLAINFIELD, IN 46168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 3.52% |
| ROBERT W BURGETT3 | 2601 FORTUNE CIRCLE EAST SUITE 103A INDIANAPOLIS, IN 46241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 1.70% |
| RITA J ABRAM3 | 13494 FORUM MEADOWS DRIVE CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 1.25% |
| SEAN BANNON3 | 8006 WEST 650 SOUTH KNIGHTSTOWN, IN 46148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.91% |
| NANCIAL SERVICES WHARTON INSURANCE3 | 3091 E 98TH SUITE 150 INDIANAPOLIS, IN 46280 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.68% |
| CAROLYN S RICHARDS3 | 537 WEYWORTH PL GREENWOOD, IN 46142 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.68% |
| BRANDEE L JUSTUS3 | 5700 VICTORIA BLUFFS DRIVE NEWBURGH, IN 47630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.57% |
| JON J SCHAEFER3 | 603 E WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.23% |
| JOHN T CLANCY3 | 4025 PETE DYE BOULEVARD CARMEL, IN 46033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.23% |
| KATIE J FLETCHER3 | 9247 N MERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.11% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $2.9M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $58K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $92K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $69K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.
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.