| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS & GROUP ADVISORS | 5408 WOODFIELD DRIVE NORTH CARMEL, IN 46033 | ANTHEM INSURANCE COMPANIES, INC. | $23K | — | $23K | 3.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM INSURANCE COMPANIES, INC. | $5K | — | $5K | 0.66% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS & GROUP INSURANCE | 5408 WOODFIELD DR N. CARMEL, IN 46033 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA MCG | 7701 AIRPORT CENTER DR. STE 1800 GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $720 | — | $720 | 1.84% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | PRINCIPAL LIFE INSURANCE COMPANY | $715 | — | $715 | 1.82% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 84 | $738K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 84 | $738K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 84 | $738K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $39K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $39K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.