| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD K. RICH3 | UNKNOWN TERRE HAUTE, IN 47802 | AMERICAN UNITED LIFE INSURANCE COMPANY | $36K | $0 | $36K | 7.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | $0 | $18K | 4.93% |
| USI INSURANCE SERVICES LLC3 | 9910 DUPONT CIRCLE DRIVE EAST SUITE 120 FORT WAYNE, IN 46825 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 3.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $8K | $0 | $8K | 11.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 300 WATERSIDE DRIVE FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $142 | $0 | $142 | 1.75% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 300 WATERSIDE DRIVE FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $666 | $20 | $686 | 9.04% |
| RONALD K. RICH3 | 24 ALLENDALE TERRE HAUTE, IN 47802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $286 | $0 | $286 | 3.77% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $361 | $0 | $361 | 10.60% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | TRANSAMERICA INSURANCE COMPANY | $241 | $0 | $241 | 7.07% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $130 | $0 | $130 | 5.09% |
| USI INSURANCE SERVICES LLC3 | 500 WABASH AVENUE TERRE HAUTE, IN 47807 | ENVISION INSURANCE COMPANY | $83 | $0 | $83 | 3.25% |
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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 900 | $241K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 575 | $375K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 1,028 | $66K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 897 | $487K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 897 | $479K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 900 | $241K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 897 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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.