| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDY CHAMBER LLC3 Filed as: INDY CHAMBER, LLC | 111 MONUMENT CIRCLE #1950 INDIANAPOLIS, IN 46204 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.70% |
| HARDWICK INSURANCE SERVICES, LLC3 | 1530 AMERICAN WAY SUITE 222 GREENWOOD, IN 46143 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.41% |
| HARDWICK INSURANCE SERVICES, LLC3 | 1530 AMERICAN WAY SUITE 222 GREENWOOD, IN 46143 | HUMANA INSURANCE COMPANY | $12K | — | $12K | 11.47% |
| INDY CHAMBER LLC3 Filed as: INDY CHAMBER, LLC | 111 MONUMENT CIRCLE #1950 INDIANAPOLIS, IN 46204 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $8K | — | $8K | 9.21% |
| HARDWICK INSURANCE SERVICES, LLC3 | 1530 AMERICAN WAY SUITE 222 GREENWOOD, IN 46143 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.43% |
| INDY CHAMBER LLC3 Filed as: INDY CHAMBER, LLC | 111 MONUMENT CIRCLE #1950 INDIANAPOLIS, IN 46204 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.60% |
| HARDWICK INSURANCE SERVICES, LLC3 | 1530 AMERICAN WAY SUITE 222 GREENWOOD, IN 46143 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.51% |
| INDY CHAMBER LLC3 Filed as: INDY CHAMBER, LLC | 111 MONUMENT CIRCLE #1950 INDIANAPOLIS, IN 46204 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.61% |
| HARDWICK INSURANCE SERVICES, LLC3 | 1530 AMERICAN WAY SUITE 222 GREENWOOD, IN 46143 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA INSURANCE COMPANY EIN 39-1263473 TPA | Contract Administrator; Claims processing Service code 12 | — | $334K |
| MILLIMAN ACTURIAL | Actuarial Service code 11 | 1120 SOUTH 101ST STREET SUITE 400 OMAHA, NE 68124 | $36K |
| EFLEXGROUP.COM TPA | Contract Administrator; Claims processing Service code 12 | 2740 SKI LANE MADISON, WI 53713 | $15K |
| CLIFTONLARSONALLEN, LLP EIN 41-0746749 AUDITORS | Accounting (including auditing) Service code 10 | — | $0 |
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 | 2,306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 99 | $876K |
| Dental | HUMANA INSURANCE COMPANY | 874 | $104K |
| Vision | HUMANA INSURANCE COMPANY | 874 | $104K |
| Life insurance(3 contracts) | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 2,306 | $290K |
| Short-term disability | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 230 | $74K |
| Long-term disability | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 162 | $87K |
| Prescription drug | HUMANA INSURANCE COMPANY | 99 | $876K |
| Other(3 contracts) | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 2,306 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,306 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.