| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | UNITED HEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 2.58% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.52% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 17.32% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.46% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.81% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.02% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.61% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 460823430 | ANTHEM INSURANCE COMPANIES INC | $2K | — | $2K | 40.87% |
| MJ INSURANCE3 | 571 MONON BLVD STE 400 CARMEL, IN 46032 | MADISON NATIONAL LIFE | $148 | — | $148 | 12.01% |
| THE LOOMIS COMPANY3 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | MADISON NATIONAL LIFE | $123 | — | $123 | 9.98% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | MADISON NATIONAL LIFE | $68 | — | $68 | 5.52% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 63 | $863K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $46K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 196 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $14K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 94 | $23K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $59K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 40 | $28K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.