| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AHENCY LLC | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | ANTHEM INSURANCE COMPANIES, INC. | $3K | — | $3K | 3.66% |
| INDIANA CHAMBER INSURANCE AGENCY IN3 | 115 WEST WASHINGTON SUITE 850S INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $2 | — | $2 | 0.00% |
| GIBSON INSURANCE AGENCY, INC.3 | 333 E JEFFERSON ST LOUIS BLVD PLYMOUTH, IN 46563 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $672 | — | $672 | 13.94% |
| HORIZON PLANNING GROUP3 Filed as: THE HORIZON PLANNING GROUP | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.15% |
| GIBSON INSURANCE AGENCY, INC.3 | 68986 EAGLE COVE CT EDWARDSBURG, MI 46991 | STANDARD LIFE INSURANCE COMPANY | $50 | — | $50 | 10.16% |
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 | 86 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 85 | $72K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 85 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $5K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $5K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $5K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.