| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURT ADVISORY GROUP3 | 307 S. MAIN STREET, SUITE 302 ELKHART, IN 46516 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $12K | 11.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 8.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR | $59K | $15K | $74K | 77.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PL CHICAGO, IL 60673 | RELIASTAR | $4K | $0 | $4K | 4.58% |
| BURT ADVISORY GROUP3 Filed as: BURT ADVISORY GROUP (TO) | 307 S. MAIN STREET, SUITE 203 ELKHART, IN 46516 | THE LINCOLN LIFE INSURANCE COMPANY | — | $7K | $7K | 8.00% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFIT COMPANY | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | THE LINCOLN LIFE INSURANCE COMPANY | — | $6K | $6K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANY, INC EIN 35-0781558 ASO | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $479K |
| INGENIORX, INC EIN 82-3062245 IGENIORX, INC | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | $99K |
| ANTHEM INSURANCE COMPANY, INC. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue Service code 12 | — | $72K |
| AON RISK SERVICES CENTRAL INC. | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $22K |
| AON RISK SERVICES CENTRAL, INC. EIN 35-0781558 BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 123 N WACKER DRIVE STE 1000 CHICAGO, IL 60606 | $0 |
| EXPRESS SCRIPTS, INC EIN 31-1714795 EXPRESS SCRIPTS, IN | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $0 |
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 | 1,733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 1,116 | $647K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 1,116 | $647K |
| Vision | ANTHEM INSURANCE INC. | 1,024 | $68K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,266 | $208K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 614 | $91K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 1,116 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,266 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.