| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | HUMANA HEALTH PLAN, INC. | $42K | — | $42K | 4.00% |
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | AMERICAN UNITED LIFE INSURANCE COMPANY | $18K | — | $18K | 14.75% |
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | DENTAL CARE PLUS, INC. | $7K | — | $7K | 10.12% |
| DENTALNET, INC. DBA HOOSIER DENTAL3 | P.O. BOX 1277 BLOOMINGTON, IN 47402 | DENTAL CARE PLUS, INC. | $3K | — | $3K | 4.60% |
| ISU INSURANCE & INVESTMENT GRP3 | 2684 CHARLESTOWN RD NEW ALBANY, IN 47150 | HUMANA INSURANCE COMPANY | $909 | — | $909 | 9.99% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 129 | $1.0M |
| Dental | DENTAL CARE PLUS, INC. | 178 | $71K |
| Vision | HUMANA INSURANCE COMPANY | 98 | $9K |
| Life insurance(6 contracts, 6 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 216 | $171K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 216 | $125K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 216 | $126K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 216 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.