| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $72K | $18K | $90K | 21.62% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $0 | $18K | 4.45% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 NORTH HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.62% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | DELTA DENTAL OF INDIANA | $44K | $0 | $44K | 14.19% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 9.17% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | 1-800MD, LLC | $11K | $0 | $11K | 29.20% |
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 | 744 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 861 | $310K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 784 | $60K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 744 | $416K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 744 | $416K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 744 | $416K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 778 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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.