| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REB CONSULTING, INC.3 Filed as: REB CONSULTING INC | 300 W WILSON BRIDGE RD STE 300 WORTHINGTON, OH 43085 | ANTHEM INSURANCE COMPANIES, INC. | -$7K | — | -$7K | -1.51% |
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 46280 | ANTHEM LIFE INSURANCE COMPANY | $28K | — | $28K | 36.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 600 E 96TH STREET STE 400 INDIANAPOLIS, IN 46240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 600 E 96TH STREET STE 400 INDIANAPOLIS, IN 46240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 600 E 96TH STREET STE 400 INDIANAPOLIS, IN 46240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 46280 | UNITEDHEALTHCARE INSURANCE COMPANY | $735 | — | $735 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 INSURER | Other fees; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | 220 VIRGINIA AVENUE INDIANAPOLIS, IN 46204 | $136K |
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 | 397 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 397 | $128K |
| Vision(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $50K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $34K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 347 | $442K |
| Other(5 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 298 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.