| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | VISION SERVICE PLAN | $1K | — | $1K | 6.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 077193502 | VISION SERVICE PLAN | $631 | — | $631 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES INC EIN 35-0781558 NONE | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $344K |
| STEALTH PARTNER GROUP | Other commissions; Insurance agents and brokers; Non-monetary compensation Service code 22 | — | $38K |
| MJ INSURANCE INC | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $28K |
| MJ INSURANCE NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 3750 PRIORITY WAY S DR INDIANAPOLIS, IN 46240 | $0 |
| STEALTH PARTNER GROUP LLC NONE | Other commissions; Insurance agents and brokers; Non-monetary compensation Service code 22 | 18700 N HAYDEN RD SCOTTSDALE, AZ 85255 | $0 |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM INSURANCE COMPANIES INC | 217 | $0 |
| Vision | VISION SERVICE PLAN | 106 | $16K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES INC | 217 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.