| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH ST DAYTONA BEACH, FL 32114 | ANTHEM INSURANCE COMPANIES, INC. | $49K | $3K | $52K | 1.57% |
| ONI RISK PARTNERS INC3 | PO BOX 80159 INDIANAPOLIS, IN 46280 | ANTHEM INSURANCE COMPANIES, INC. | $13K | — | $13K | 0.40% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF INDIANA LLC | 11595 N MERIDIAN ST STE 250 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES, INC. | -$93 | — | -$93 | -0.00% |
| BROWN & BROWN INSURANCE SERVICES3 | ATTN CARMEL IN B AND B INS 11711 N MERIDIAN ST, STE 100 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.70% |
| ONI RISK PARTNERS INC3 | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46280 | STANDARD INSURANCE COMPANY | $893 | — | $893 | 1.76% |
| BROWN & BROWN INSURANCE SERVICES3 | ATTN CARMEL, IN B AND B INS 11711N MERIDIAN ST, STE 100 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.07% |
| ONI RISK PARTNERS INC3 | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46280 | STANDARD INSURANCE COMPANY | $871 | — | $871 | 1.75% |
| BROWN & BROWN INSURANCE SERVICES3 | ATTN CARMEL, IN B AND B INS 11711 N MERIDIAN ST, STE 100 CARMEL, IN 46032 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.78% |
| ONI RISK PARTNERS INC3 | 600 E 96TH ST STE 400 INDIANAPOLIS, IN 46280 | STANDARD INSURANCE COMPANY | $806 | — | $806 | 1.88% |
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 | 419 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 515 | $3.3M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 515 | $3.3M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 515 | $3.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 419 | $50K |
| Short-term disability | STANDARD INSURANCE COMPANY | 192 | $43K |
| Long-term disability | STANDARD INSURANCE COMPANY | 178 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.