| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | HUMANA HEALTH PLAN, INC. | $31K | — | $31K | 3.89% |
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | — | $16K | 14.79% |
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | DENTAL CARE PLUS, INC. | $8K | — | $8K | 12.56% |
| DENTALNET, INC. DBA HOOSIER DENTAL3 | P.O. BOX 1277 BLOOMINGTON, IN 47402 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 5.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE & INVESTMENT GRP | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| PLAN CHOICE3 Filed as: PLAN CHOICE INC. | 13257 O'BANNON STATION WAY LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $575 | — | $575 | 5.00% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 123 | $794K |
| Dental | DENTAL CARE PLUS, INC. | 178 | $60K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 170 | $12K |
| Life insurance(6 contracts, 6 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 188 | $152K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 188 | $111K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 188 | $112K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 188 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.