| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | METROPOLITAN LIFE INSURANCE COMPANY | $119K | $16K | $134K | 14.72% |
| STEELE INSURANCE3 Filed as: STEELE INS. AND FINANCIAL SERVICES | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $24K | $64K | 7.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN AND ASSOC., LLC | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $64 | $38K | 4.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD, SUITE 1004 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $18K | $1K | $19K | 3.38% |
| EVERETT INSURANCE AGENCY, INC.3 Filed as: EVERETT INSURANCE AGENCY | UNKNOWN UPLAND, IN 46989 | CALIFORNIA CHOICE | $20K | $0 | $20K | 4.95% |
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 | 468 | 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) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 72 | $968K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,100 | $913K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,100 | $913K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,100 | $913K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,100 | $913K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,100 | $913K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 72 | $968K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,100 | $913K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.