| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD K. RICH3 | UNKNOWN TERRE HAUTE, IN 47080 | AMERICAN UNITED LIFE INSURANCE COMPANY | $28K | $0 | $28K | 7.50% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 630 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | $0 | $16K | 4.94% |
| USI INSURANCE SERVICES LLC3 | 24 NORTH 6TH STREET TERRE HAUTE, IN 47807 | HUMANA INSURANCE COMPANY | $17K | $0 | $17K | 5.91% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $6K | $0 | $6K | 10.02% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 450 EAST 96TH STREET, SUITE 275 INDIANAPLOIS, IN 46240 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $903 | $0 | $903 | 1.55% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $362 | $0 | $362 | 3.54% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 1.52% |
| USI INSURANCE SERVICES LLC3 | 24 NORTH 6TH STREET TERRE HAUTE, IN 47807 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $1K | $0 | $1K | 10.69% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $517 | $0 | $517 | 7.09% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222 | $0 | $222 | 3.04% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE INSURANCE | $392 | $0 | $392 | 5.84% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | STONEBRIDGE LIFE INSURANCE | $355 | $0 | $355 | 5.28% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $687 | $0 | $687 | 10.59% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | TRANSAMERICA INSURANCE COMPANY | $458 | $0 | $458 | 7.06% |
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 | 852 | 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) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 70 | $297K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 494 | $334K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 917 | $58K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 852 | $389K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 852 | $379K |
| Prescription drug(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 70 | $297K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 852 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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.