| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING, SUITE 900 INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES | $35K | $0 | $35K | 1.14% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING, SUITE 900 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $8K | $0 | $8K | 4.81% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING, SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 19.74% |
| TOTALIS BENEFITS Filed as: TOTALIS BENEFITS INC | 1111 SANTA MONICA BLVD STE 1150 LOS ANGELES, CA 90025 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING SUITE 900 INDIANAPOLIS, IN 46240 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 16.77% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | 1111 SANTA MONICA BLVD STE 1150 LOS ANGELES, CA 90025 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING, SUITE 900 INDIANAPOLIS, IN 46240 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.44% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES | 154 | $3.1M |
| Dental | DELTA DENTAL OF INDIANA | 394 | $170K |
| Vision | VISION SERVICE PLAN | 155 | $30K |
| Life insurance | STANDARD INSURANCE COMPANY | 179 | $55K |
| Long-term disability | STANDARD INSURANCE COMPANY | 179 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.