| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 6.35% |
| JULIE N HAWES3 Filed as: JULIE N. HAWES | 4629 APRIL LANE INDIANAPOLIS, IN 46239 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.76% |
| RICKY L MCPHERSON3 Filed as: RICKY L. MCPHERSON | 603 EAST WASHINGTON STREET INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.02% |
| ASHLEY L SHAW3 Filed as: ASHLEY L. SHAW | UNKNOWN INDIANAPOLIS, IN 46220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $715 | $0 | $715 | 0.58% |
| CANDACE QUILL3 | UNKNOWN GREENWOOD, IN 46143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.05% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE, LLC | 111 CONGRESSIONAL BOULEVARD CARMEL, IN 46032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.94% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $707 | $0 | $707 | 0.97% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $73K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $73K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 265 | $123K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $73K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 265 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.