| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD K. RICH3 Filed as: RONALD K RICH | 1210 S 3RD ST. TERRE HAUTE, IN 47802 | AMERICAN UNITED LIFE INSURANCE COMPANY | $27K | — | $27K | 7.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 4.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - INDIANAPOLIS | PO BOX 905494 CHARLOTTE, NC 28290 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 2.20% |
| AON CONSULTING INC3 Filed as: AON HEWITT - INDIANAPOLIS | 450 EAST 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | FIDELITY SECURITY LIFE INSURANCE | $6K | — | $6K | 10.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. INDIANAPOLIS | PO BOX 905494 CHARLOTTE, NC 28290 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $150 | — | $150 | 0.90% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICAN INSURANCE CO. | $635 | — | $635 | 10.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | NORTHERN TRUST BANK 75 REMITTANCE DR. SUITE 1446 CHICAGO, IL 60675 | TRANSAMERICAN INSURANCE CO. | $424 | — | $424 | 7.07% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $277 | — | $277 | 5.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | STONEBRIDGE LIFE INSURANCE | $251 | — | $251 | 5.28% |
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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 71 | $230K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 505 | $351K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 883 | $52K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,168 | $364K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 71 | $209K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,168 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,168 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.