| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICE CENTRAL - IN | 75 REMITTANCE DRIVE DEPT #1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 1.54% |
| A I KING INSURANCE AGENCY3 Filed as: A I KING INSURANCE AGENCY INC, | 8604 ALLISONVILLE RD. SUITE 210 INDIANAPOLIS, IN 46250 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | — | $49K | 1.02% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF INDIANA | $9K | — | $9K | 3.77% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC., | 29840 NETWORK PLACE CHICAGO, IL 606731298 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 450 R 96TH STREET SUITE 275 INDIANAPOLIS, IN 46240 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 18.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANATA, GA 303393182 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 9.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE DEPT #1446 CHICAGO, IL 606751446 | VISION SERVICE PLAN | $2K | — | $2K | 4.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 34.51% |
| MCROBERTS GREGORY A3 Filed as: MCROBERTS, GREGORY A | 900 E 96TH STREET SUITE 300 INDIANAPOLIS, IN 462403876 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 16.91% |
| MCROBERTS GREGORY A3 Filed as: MCROBERTS, GREGORY A | 2365 HARRODSBURGH RD. LEXINGTON, KY 40504 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $899 | $899 | 5.24% |
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 | 314 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $4.8M |
| Dental | DELTA DENTAL OF INDIANA | 604 | $228K |
| Vision | VISION SERVICE PLAN | 297 | $41K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $158K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 313 | $95K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $96K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 314 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.