| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | HUMANA HEALTH PLAN, INC. | $27K | — | $27K | 4.32% |
| DENTALNET, INC. DBA HOOSIER DENTAL3 Filed as: DENTALNET | PO BOX 1277 BLOOMINGTON, IN 47402 | DENTAL CARE PLUS, INC. | $7K | — | $7K | 14.00% |
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 471502537 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 20.00% |
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 471502537 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 20.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE & INVESTMENT GRP | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $799 | — | $799 | 9.99% |
| PLAN CHOICE3 | 13257 O'BANNON STATION WAY LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $400 | — | $400 | 5.00% |
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 20.00% |
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | LINCOLN NATIONAL LIFE INSURANCE CO | $819 | — | $819 | 12.71% |
| PLAN CHOICE3 Filed as: PLAN CHOICE INC | 13257 O'BANNON STATION WAY LOUISVILLE, KY 40223 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $322 | $322 | 5.00% |
| AFFINITY INSURANCE AGENCY Filed as: AFFINITY INSURANCE SERVICES | — | METLIFE INSURANCE CO | — | — | $0 | 0.00% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 123 | $617K |
| Dental | DENTAL CARE PLUS, INC. | 167 | $51K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 140 | $8K |
| Life insurance(8 contracts, 7 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 175 | $41K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 46 | $6K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 30 | $13K |
| Other | LINCOLN NATIONAL LIFE INSURANCE CO | 175 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.