| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING, SUITE 190 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 5.00% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING, SUITE 190 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | — | $47K | 9.83% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING, SUITE 190 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 5.00% |
| NEFOUSE & ASSOCIATES, INC.3 Filed as: NEFOUSE & ASSOCIATES INC. | 8465 KEYSTONE CROSSING, SUITE 190 INDIANAPOLIS, IN 46240 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $24K | — | $24K | 7.42% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING, SUITE 190 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 3.75% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING, SUITE 190 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.00% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING, SUITE 190 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 5.30% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING, SUITE 190 INDIANAPOLIS, IN 46240 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.63% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING, SUITE 190 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 20.00% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING, SUITE 190 INDIANAPOLIS, IN 46240 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $178 | — | $178 | 8.31% |
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 | 2,927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 6 | $35K |
| Dental(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 6 | $35K |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,205 | $354K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,928 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,464 | $402K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 6 | $32K |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,928 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,205 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.