| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | AMERICAN UNITED LIFE INSURANCE COMPANY | $29K | $0 | $29K | 7.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | $0 | $16K | 4.89% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 3.36% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $6K | $0 | $6K | 10.84% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $500 | $0 | $500 | 3.14% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $355 | $0 | $355 | 3.77% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 1.62% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $530 | $0 | $530 | 7.54% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $228 | $0 | $228 | 3.24% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $722 | $0 | $722 | 10.59% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | TRANSAMERICA INSURANCE COMPANY | $481 | $0 | $481 | 7.06% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $268 | $0 | $268 | 5.42% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | ENVISION INSURANCE COMPANY | $161 | $0 | $161 | 3.26% |
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 | 924 | 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) | 924 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 83 | $290K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 487 | $319K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 924 | $53K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 829 | $390K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 829 | $381K |
| Prescription drug(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 83 | $288K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 829 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 924 | — |
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.