| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NEACE LUKNES INS. AGENCY | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM INSURANCE COMPANIES, INC. | $27K | — | $27K | 2.23% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | DELTA DENTAL OF INDIANA | $5K | — | $5K | 4.69% |
| ERNEST LURTON3 Filed as: ERNEST L. LURTON | 6510 NORTH SHADELAND AVENUE INDIANAPOLIS, IN 46220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.10% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | VISION SERVICE PLAN | $1K | — | $1K | 5.79% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 240 | $1.2M |
| Dental | DELTA DENTAL OF INDIANA | 278 | $105K |
| Vision | VISION SERVICE PLAN | 108 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $71K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC. | 240 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.