| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUNN & ASSOC BENEFIT ADMINISTRATORS5 | 4550 MIDDLE ROAD, STE A COLUMBUS, IN 47202 | HIIG | $22K | — | $22K | 11.11% |
| DUNN & ASSOC BENEFIT ADMINISTRATORS5 | 4550 MIDDLE ROAD, STE A COLUMBUS, IN 47202 | AIG BENEFIT SOLUTIONS | $2K | — | $2K | 11.11% |
| DUNN & ASSOC BENEFIT ADMINISTRATORS5 | 4550 MIDDLE ROAD STE A COLUMBUS, IN 47202 | TELEMEDICINE | $2K | — | $2K | 36.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DUNN & ASSOC BENEFIT ADMINISTRATORS EIN 35-1861364 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 4550 MIDDLE ROAD, STE A COLUMBUS, IN 47202 | $55K |
| JAMES A. AGENCY EIN 20-4912172 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| HORIZON CPA SERVICES, INC. EIN 20-4287594 AUDITOR | Accounting (including auditing) Service code 10 | 9745 RANDALL DR., STE 140 INDIANAPOLIS, IN 46280 | $11K |
| HEALTHCARE GROUP EIN 35-2067373 PPO PROVIDER | Other services Service code 49 | — | $5K |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Prescription drug | TRUE RX | 98 | $12K |
| Stop-loss / reinsurancereinsurance | HIIG | 98 | $197K |
| Other(2 contracts, 2 carriers) | AIG BENEFIT SOLUTIONS | 98 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.