| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALKERHUGHES GROUP, LLC3 Filed as: WALKERHUGHES GROUP LLC | 6510 NORTH SHADELAND AVENUE INDIANAPOLIS, IN 46220 | AMERICAN NATIONAL INSURANCE COMPANY | — | $14K | $14K | 5.00% |
| WALKERHUGHES GROUP, LLC3 Filed as: WALKERHUGHES GROUP LLC | 6510 NORTH SHADELAND AVENUE INDIANAPOLIS, IN 46220 | GUARDIAN | $10K | — | $10K | 17.78% |
| INGENIORX, INC.5 Filed as: INGENIORX, INC | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | ANTHEM INSURANCE COMPANIES, INC | — | $180K | $180K | 9797.67% |
| ANTHEM INSURANCE COMPANIES, INC.6 Filed as: ANTHEM INSURANCE COMPANIES | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | ANTHEM INSURANCE COMPANIES, INC | — | $102K | $102K | 5515.64% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 129 | $2K |
| Dental | ANTHEM INSURANCE COMPANIES, INC | 129 | $2K |
| Vision | ANTHEM INSURANCE COMPANIES, INC | 129 | $2K |
| Life insurance | GUARDIAN | 138 | $54K |
| Short-term disability | GUARDIAN | 138 | $54K |
| Long-term disability | GUARDIAN | 138 | $54K |
| Prescription drug | ANTHEM INSURANCE COMPANIES, INC | 129 | $2K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AMERICAN NATIONAL INSURANCE COMPANY | 138 | $279K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 138 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.