| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | METROPOLITAN LIFE INSURANCE COMPANY | $132K | $39K | $171K | 16.79% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $22K | $73K | 7.13% |
| STEELE INSURANCE3 Filed as: STEELE INSURANCE AND FIN. SVCS. INC | 9020 CRAWFORDSVILLE ROAD INDIANAPOLIS, IN 46234 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $31K | $67K | 6.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY INC. | 9300 SHELBYVILLE ROAD, SUITE 1004 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $20K | $2K | $22K | 3.32% |
| EVERETT INSURANCE AGENCY, INC.3 Filed as: EVERETT INSURANCE AGENCY | UNKNOWN UPLAND, IN 46989 | CALIFORNIA CHOICE | $20K | $0 | $20K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SVCS. LLC | UNKNOWN UPLAND, IN 46989 | CALIFORNIA CHOICE | $10K | $0 | $10K | 2.66% |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 75 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,173 | $1.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,173 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,173 | $1.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,173 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,173 | $1.0M |
| Prescription drug(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 75 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,173 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,173 | — |
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.