| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INS SOLUTIONS INC3 Filed as: INS TRUSTEES INC | PO BOX 150 GARRETT, IN 46738 | AMERICA UNITED LIFE INSURANCE COMPANY | $19K | — | $19K | 4.87% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH AND BENEFITS | SUITE 200 INDIANAPLIS, IN 46240 | AMERICA UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 1.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $581K |
| DELTA DENTAL OF INDIANA EIN 35-1545647 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $33K |
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 | 802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICA UNITED LIFE INSURANCE COMPANY | 1,235 | $395K |
| Short-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 1,235 | $395K |
| Long-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 1,235 | $395K |
| Stop-loss / reinsurancereinsurance | RMTS ASSOCIATES - GERBER LIFE | 803 | $342K |
| Other | AMERICA UNITED LIFE INSURANCE COMPANY | 1,235 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,235 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.