| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 120 N FULTON AVE SUITE A EVANSVILLE, IN 47710 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.93% |
| HAYS COMPANIES, INC.3 Filed as: HAYES GROUP, INC. | 300 N MERIDIAN ST SUITE 1250 INDIANAPOLIS, IN 46204 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.74% |
| HAYS COMPANIES, INC.3 | 300 N MERIDIAN STREET SUITE 1250 INDIANAPOLIS, IN 46204 | SYMETRA LIFE INSURANCE COMPANY | $895 | — | $895 | 0.33% |
| HAYS COMPANIES, INC.3 | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $684 | $1K | $2K | 12.58% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.62% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $673 | — | $673 | 4.78% |
| HORIZON PLANNING GROUP3 | 9000 KEYSTONE CROSSING #300 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $1.7M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $123K |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 387 | $357K |
| Vision | VISION SERVICE PLAN | 503 | $76K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 640 | $267K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 640 | $267K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 421 | $1.4M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 640 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.