| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD K. RICH3 | UNKNOWN TERRE HAUTE, IN 47802 | AMERICAN UNITED LIFE INSURANCE COMPANY | $38K | $0 | $38K | 7.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | $2K | $19K | 5.40% |
| USI INSURANCE SERVICES LLC3 | 9910 DUPONT CIRCLE DRIVE EAST SUITE 120 FORT WAYNE, IN 46825 | HUMANA INSURANCE COMPANY | $8K | $0 | $8K | 3.10% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | HUMANA INSURANCE COMPANY | $400 | $0 | $400 | 0.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $6K | $0 | $6K | 8.52% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $4K | $0 | $4K | 5.45% |
| USI INSURANCE SERVICES LLC3 | 9910 DUPONT CIRCLE DRIVE EAST SUITE 120 FORT WAYNE, IN 46825 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $500 | $0 | $500 | 2.99% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $243 | $0 | $243 | 2.99% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $0 | $105 | 1.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $912 | $61 | $973 | 13.47% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $391 | $0 | $391 | 5.41% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $541 | $0 | $541 | 10.59% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | TRANSAMERICA INSURANCE COMPANY | $361 | $0 | $361 | 7.06% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $200 | $0 | $200 | 5.23% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | ENVISION INSURANCE COMPANY | $124 | $0 | $124 | 3.24% |
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 | 942 | 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) | 942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 81 | $286K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 592 | $350K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 1,035 | $71K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 942 | $515K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 942 | $507K |
| Prescription drug(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 81 | $285K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 942 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,035 | — |
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.