| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SHANER AGENCY INC3 Filed as: SHANER AGENCY INC. | 8979 BROADWAY MERRILLVILLE, IN 46410 | UNITEDHEALTHCARE | $138K | $134 | $138K | 3.46% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 322 INDIANAPOLIS BLVD SUITE 101 SCHERERVILLE, IN 46375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 13.00% |
| HORIZON PLANNING GROUP3 | 322 INDIANAPOLIS BLVD SUITE 101 SCHERERVILLE, IN 46375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $114 | — | $114 | 0.13% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE | 901 | $4.0M |
| Dental | UNITEDHEALTHCARE | 901 | $4.0M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE | 901 | $4.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $88K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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.