| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | $0 | $16K | 3.47% |
| MJ INSURANCE3 | 571 MONON TRAIL CARMEL, IN 46082 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $8K | $14K | 4.83% |
| H. ENGAGE, INC.3 | 24 BUCCANEER STREET, SUITE 1 MARINA DEL RAY, CA 90292 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $5K | $7K | 2.54% |
| MJ INSURANCE3 | 571 MONON TRAIL CARMEL, IN 46082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $3K | $15K | 18.39% |
| H. ENGAGE, INC.3 | 24 BUCCANEER STREET, SUITE 1 MARINA DEL RAY, CA 90292 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.79% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $715 | $7K | 11.09% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.66% |
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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 60 | $463K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $66K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 504 | $281K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 504 | $281K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 60 | $463K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 504 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.