| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AHLERS & ASSOCIATES LLC3 | 11069 WINTERCOVE WAY FISHERS, IN 46038 | ANTHEM INSURANCE COMPANIES INC | $46K | $0 | $46K | 3.08% |
| CHRISTOPHER J. AHLERS3 | 11069 WINTERCOVE WAY FISHERS, IN 46038 | COMPANION LIFE INSURANCE COMPANY | $4K | $10 | $4K | 4.36% |
| THOMAS C. MORIN3 | 7738 CHAMBERS ROAD STE 401 SAN ANTONIO, TX 78229 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 2.18% |
| CHRISTOPHER J. AHLERS3 | 11069 WINTERCOVE WAY FISHERS, IN 46038 | COMPANION LIFE INSURANCE COMPANY | $910 | $10 | $920 | 4.85% |
| THOMAS C. MORIN3 | 7738 CHAMBERS ROAD STE 401 SAN ANTONIO, TX 78229 | COMPANION LIFE INSURANCE COMPANY | $455 | — | $455 | 2.40% |
| CHRISTOPHER J. AHLERS3 | 11069 WINTERCOVE WAY FISHERS, IN 46038 | COMPANION LIFE INSURANCE COMPANY | $665 | $10 | $675 | 4.84% |
| THOMAS C. MORIN3 | 7738 CHAMBERS ROAD STE 401 SAN ANTONIO, TX 78229 | COMPANION LIFE INSURANCE COMPANY | $333 | — | $333 | 2.39% |
| CHRISTOPHER J. AHLERS3 | 11069 WINTERCOVE WAY FISHERS, IN 46038 | COMPANION LIFE INSURANCE COMPANY | $752 | $10 | $762 | 13.39% |
| THOMAS C. MORIN3 | 7738 CHAMBERS ROAD STE 401 SAN ANTONIO, TX 78229 | COMPANION LIFE INSURANCE COMPANY | $376 | — | $376 | 6.61% |
| CHRISTOPHER J. AHLERS3 | 11069 WINTERCOVE WAY FISHERS, IN 46038 | COMPANION LIFE INSURANCE COMPANY | $170 | $10 | $180 | 14.60% |
| THOMAS C. MORIN3 | 7738 CHAMBERS ROAD STE 401 SAN ANTONIO, TX 78229 | COMPANION LIFE INSURANCE COMPANY | $85 | — | $85 | 6.89% |
| CHRISTOPHER J. AHLERS3 | 11069 WINTERCOVE WAY FISHERS, IN 46038 | COMPANION LIFE INSURANCE COMPANY | $108 | $10 | $118 | 14.86% |
| THOMAS C. MORIN3 | 7738 CHAMBERS ROAD STE 401 SAN ANTONIO, TX 78229 | COMPANION LIFE INSURANCE COMPANY | $54 | — | $54 | 6.80% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES INC | 229 | $1.5M |
| Dental(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 135 | $116K |
| Vision | ANTHEM INSURANCE COMPANIES INC | 229 | $1.5M |
| Life insurance(6 contracts) | COMPANION LIFE INSURANCE COMPANY | 143 | $124K |
| Other(6 contracts) | COMPANION LIFE INSURANCE COMPANY | 143 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.