| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALKERHUGHES GROUP, LLC3 | 360 GRADLE DRIVE CARMEL, IN 46032 | DELTA DENTAL OF INDIANA | $15K | $0 | $15K | 8.13% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER AND ASSOCIATES INS. AGENCY | 632 EAST BROAD STREET SOUDERTON, PA 18964 | DELTA DENTAL OF INDIANA | $3K | $0 | $3K | 1.90% |
| WALKERHUGHES GROUP, LLC3 Filed as: WALKERHUGHES GROUP LLC | UNKNOWN EVANSVILLE, PA 47715 | AMERICAN UNITED LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.04% |
| LACHER AND ASSOCIATES INSURANCE3 | UNKNOWN EVANSVILLE, PA 47715 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.29% |
| WALKERHUGHES GROUP, LLC3 Filed as: WALKERHUGHES INSURANCE LLC | 6510 NORTH SHADELAND AVENUE INDIANAPOLIS, IN 46220 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 19.31% |
| WALKERHUGHES GROUP, LLC3 Filed as: WALKERHUGHES INSURANCE LLC | 6510 NORTH SHADELAND AVENUE INDIANAPOLIS, IN 46220 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.77% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 548 | $183K |
| Vision | VISION SERVICE PLAN | 255 | $48K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 372 | $167K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 372 | $167K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 372 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.